Rawlins, WY · Cert 2228 · Carbon County Holding Co.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Boulder, CO · 2026 SOD (annual) · 0.4% share · #25 of 32 inst. · $0.0B of $11.6B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.05% | 0.42% | 0.49% | 0.56% | 0.46% | 0.48% | 0.24% | -25 bps | |
| Return on Equity | 3.19% | 0.88% | 8.16% | 9.46% | 10.40% | 8.19% | 7.44% | 3.79% | -567 bps | |
| Net Interest Margin | 3.09% | 3.11% | 3.30% | 3.35% | 3.41% | 3.36% | 3.48% | 3.56% | +21 bps | |
| Efficiency Ratio | 91.67% | 88.97% | 84.46% | 82.29% | 80.95% | 80.73% | 83.15% | 93.17% | +1,088 bps | |
| Non-Interest Burden | 2.81% | 2.73% | 2.75% | 2.71% | 2.71% | 2.66% | 2.86% | 3.30% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 2.38% | 6.41% | 7.12% | 10.80% | 9.50% | 6.93% | 9.23% | +212 bps | |
| Loan Growth (YoY) | -3.16% | -0.59% | 0.42% | 1.07% | -1.75% | 0.44% | 1.52% | 9.31% | +824 bps | |
| Deposit Growth (YoY) | 4.02% | 2.41% | 5.93% | 6.98% | 10.62% | 7.73% | 5.80% | 8.02% | +104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.10% | 0.10% | 0.09% | 0.61% | 0.10% | 0.09% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.44% | 1.46% | 1.49% | 1.48% | 1.46% | 1.45% | 1.46% | 1.34% | -14 bps | |
| Allowance Coverage of NPLs | 14.2x | 14.6x | 14.9x | 15.5x | 16.0x | 2.4x | 14.8x | 15.1x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 8.64% | 8.67% | 8.67% | 8.78% | 8.56% | 8.69% | 8.63% | -5 bps | |
| Total Risk-Based Capital | 15.69% | 15.61% | 15.81% | 15.89% | 15.92% | 15.78% | 16.02% | 15.88% | -1 bps | |
| Equity / Assets | 5.95% | 4.95% | 5.36% | 5.22% | 6.13% | 6.53% | 6.37% | 6.26% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.87% | 60.10% | 57.95% | 57.67% | 56.72% | 56.03% | 55.61% | 58.36% | +69 bps | |
| Liquid Assets / Assets | 0.84% | 0.54% | 0.41% | 0.55% | 0.45% | 0.55% | 1.21% | 0.25% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 303% | 304% | 285% | n/a | n/a | |