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 (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 | 0.59% | 0.40% | 2.35%1 | 0.93% | 0.97% | 0.82% | 0.75% | 0.89% | -5 bps | |
| Return on Equity | 4.39% | 3.04% | 18.60% | 7.10% | 7.16% | 6.17% | 5.62% | 6.52% | -58 bps | |
| Net Interest Margin | 3.16% | 3.34% | 3.48% | 3.80% | 3.72% | 3.70% | 3.59% | 3.56% | -24 bps | |
| Efficiency Ratio | 88.45% | 90.43% | 87.37% | 81.90% | 81.28% | 83.54% | 84.08% | 82.57% | +67 bps | |
| Non-Interest Burden | 2.40% | 2.72% | 2.67% | 2.54% | 2.40% | 2.62% | 2.57% | 2.38% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.49% | 12.58% | -4.50% | -1.52% | 1.82% | 2.42% | -4.65% | 5.93% | +745 bps | |
| Loan Growth (YoY) | 1.77% | 4.73% | 3.36% | 4.61% | 4.13% | 6.32% | 1.81% | 0.43% | -418 bps | |
| Deposit Growth (YoY) | -13.03% | 12.58% | -15.88% | 16.38% | 17.43% | -15.39% | -9.88% | -7.38% | -2,376 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 1.61% | 0.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.74% | 1.81% | 1.75% | 1.70% | 1.73% | 1.73% | 1.75% | 1.72% | +2 bps | |
| Allowance Coverage of NPLs | 3.7x | 1.1x | 3.8x | n/a | n/a | n/a | n/a | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.75% | 13.75% | 14.15% | 14.11% | 13.77% | 13.89% | 14.42% | 14.37% | +26 bps | |
| Total Risk-Based Capital | 14.92% | 14.81% | 14.81% | 14.73% | 14.70% | 14.81% | 15.10% | 14.71% | -3 bps | |
| Equity / Assets | 13.52% | 12.47% | 12.75% | 13.57% | 13.60% | 12.86% | 13.91% | 13.27% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 141.63% | 108.14% | 117.60% | 124.62% | 125.58% | 135.90% | 132.86% | 135.13% | +1,051 bps | |
| Liquid Assets / Assets | 6.68% | 11.80% | 12.02% | 6.49% | 6.40% | 5.97% | 6.87% | 3.22% | -328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 371% | 362% | 386% | n/a | n/a | |