Woodland Park, CO · Cert 19381
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.4% share · #21 of 41 inst. · $0.1B of $10.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.19% | 1.06% | 0.86% | 0.82% | -37 bps | |
| Return on Equity | 11.89% | 11.86% | 10.52% | 8.49% | 8.18% | -371 bps | |
| Net Interest Margin | 4.57% | 4.33% | 4.25% | 4.25% | 4.36% | -21 bps | |
| Efficiency Ratio | 72.91% | 71.42% | 73.55% | 76.74% | 78.95% | +604 bps | |
| Non-Interest Burden | 3.09% | 2.85% | 2.90% | 3.07% | 3.27% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 11.38% | 14.34% | 12.67% | 8.07% | -66 bps | |
| Loan Growth (YoY) | 3.57% | -1.72% | 4.14% | -0.65% | 5.32% | +175 bps | |
| Deposit Growth (YoY) | 8.42% | 11.47% | 14.14% | 12.94% | 7.98% | -45 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.35% | 0.05% | 0.23% | 0.05% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.14% | 1.16% | 1.19% | 1.16% | +15 bps | |
| Allowance Coverage of NPLs | 119.0x | 3.3x | 23.1x | 5.3x | 24.0x | -95.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.74% | 11.28% | 11.21% | 11.08% | 11.27% | -47 bps | |
| Total Risk-Based Capital | 19.92% | 20.30% | 20.44% | 20.61% | 20.21% | +29 bps | |
| Equity / Assets | 9.93% | 10.00% | 10.08% | 10.09% | 10.06% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.46% | 71.50% | 74.20% | 76.12% | 76.53% | -193 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0 bps | |
| CRE / Total Capital | n/a | 245% | 238% | 263% | n/a | n/a | |