Denver, CO · Cert 23210 · Bankers Bk of the W Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #31 of 68 inst. · $0.2B of $113.6B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65%1 | 1.43% | 1.26% | 0.75% | 0.81% | -85 bps | |
| Return on Equity | 12.81% | 10.90% | 9.70% | 5.62% | 6.06% | -674 bps | |
| Net Interest Margin | 3.61% | 3.58% | 3.60% | 3.59% | 3.55% | -7 bps | |
| Efficiency Ratio | 84.50% | 83.36% | 83.40% | 84.08% | 83.30% | -120 bps | |
| Non-Interest Burden | 2.58% | 2.47% | 2.50% | 2.57% | 2.45% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.52% | 1.82% | 2.42% | -4.65% | 5.93% | +745 bps | |
| Loan Growth (YoY) | 4.61% | 4.13% | 6.32% | 1.81% | 0.43% | -418 bps | |
| Deposit Growth (YoY) | 16.38% | 17.43% | -15.39% | -9.88% | -7.38% | -2,376 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.03% | +103 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.73% | 1.73% | 1.75% | 1.72% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.11% | 13.77% | 13.89% | 14.42% | 14.37% | +26 bps | |
| Total Risk-Based Capital | 14.73% | 14.70% | 14.81% | 15.10% | 14.71% | -3 bps | |
| Equity / Assets | 13.57% | 13.60% | 12.86% | 13.91% | 13.27% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 124.62% | 125.58% | 135.90% | 132.86% | 135.13% | +1,051 bps | |
| Liquid Assets / Assets | 6.49% | 6.40% | 5.97% | 6.87% | 3.22% | -328 bps | |
| CRE / Total Capital | n/a | 371% | 362% | 386% | n/a | n/a | |