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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.73% | 1.33% | 1.08% | 1.19% | 0.66% | 0.86% | 0.80% | -28 bps | |
| Return on Equity | 9.42% | 7.28% | 13.14% | 10.71% | 11.91% | 6.62% | 8.49% | 7.94% | -277 bps | |
| Net Interest Margin | 4.35% | 4.65% | 4.64% | 4.64% | 4.49% | 4.33% | 4.25% | 4.50% | -14 bps | |
| Efficiency Ratio | 78.19% | 83.53% | 69.96% | 75.74% | 68.62% | 79.80% | 76.74% | 81.06% | +532 bps | |
| Non-Interest Burden | 3.18% | 3.74% | 2.98% | 3.28% | 2.79% | 3.28% | 3.07% | 3.50% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.34% | 8.49% | 5.10% | 8.73% | 11.38% | 14.34% | 12.67% | 8.07% | -66 bps | |
| Loan Growth (YoY) | 10.01% | 6.64% | 9.81% | 3.57% | -1.72% | 4.14% | -0.65% | 5.32% | +175 bps | |
| Deposit Growth (YoY) | 11.13% | 8.91% | 4.23% | 8.42% | 11.47% | 14.14% | 12.94% | 7.98% | -45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.02% | 0.01% | 0.35% | 0.05% | 0.23% | 0.05% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.04% | 1.04% | 0.98% | 1.01% | 1.14% | 1.16% | 1.19% | 1.16% | +15 bps | |
| Allowance Coverage of NPLs | 119.3x | 119.2x | 56.5x | 119.0x | 3.3x | 23.1x | 5.3x | 24.0x | -95.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.49% | 11.61% | 11.73% | 11.74% | 11.28% | 11.21% | 11.08% | 11.27% | -47 bps | |
| Total Risk-Based Capital | 18.75% | 19.70% | 19.82% | 19.92% | 20.30% | 20.44% | 20.61% | 20.21% | +29 bps | |
| Equity / Assets | 10.11% | 9.95% | 10.26% | 9.93% | 10.00% | 10.08% | 10.09% | 10.06% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.10% | 81.33% | 86.53% | 78.46% | 71.50% | 74.20% | 76.12% | 76.53% | -193 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 238% | 263% | n/a | n/a | |