Bank of Estes Park
Estes Park, CO · Cert 19351 · Peer group: banks under $1B in assets (n=581-629) · First National Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$171.9MAssets
$96.8MLoans
$155.4MDeposits
$15.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 567 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.55%
Rank 486 of 629
Net Interest Margin
4.16%
Rank 128 of 629
Efficiency Ratio
67.89%
Rank 317 of 629
Equity / Assets
8.97%
Rank 485 of 629
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 50% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.60% | 1.01% | 1.45% | Beats 23% | 486 / 629 | |
| Return on Equity | 6.18% | 5.38% | 9.30% | 13.28% | Beats 29% | 448 / 629 | |
| Net Interest Margin | 4.16% | 3.03% | 3.54% | 4.05% | Beats 80% | 128 / 629 | |
| Efficiency Ratio | 67.89% | 58.35% | 67.79% | 79.08% | Beats 50% | 317 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.61% | n/a | 0.01% | 0.06% | Beats 3% | 567 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.84% | 11.24% | 13.84% | 18.77% | Beats 20% | 505 / 629 | |
| Total Risk-Based Capital Ratio | 10.84% | 11.58% | 14.43% | 19.66% | Beats 17% | 524 / 629 | |
| Equity / Assets | 8.97% | 9.09% | 10.65% | 13.80% | Beats 23% | 485 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 62.32% | 67.24% | 80.90% | 93.48% | 21st pctl | 470 / 594 | |
| Loans / Assets | 56.33% | 53.31% | 67.71% | 78.15% | 29th pctl | 447 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |