Denver, CO · Cert 27010 · Young Americans Education Foundation
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
50
Profitability
9
Liquidity
0
Efficiency
0
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Denver, CO · Cert 27010 · Young Americans Education Foundation
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #61 of 68 inst. · $0.0B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -10.65% | -10.19% | -12.73% | -12.43% | -13.31% | -13.60% | -11.41% | -11.53% | +90 bps | |
| Return on Equity | -134.70% | -123.04% | -119.67% | -111.07% | -111.75% | -110.02% | -85.34% | -89.68% | +2,139 bps | |
| Net Interest Margin | 3.10% | 3.15% | 3.19% | 3.72% | 3.49% | 3.39% | 3.15% | 3.25% | -47 bps | |
| Efficiency Ratio | 449% | 422% | 487% | 432% | 471% | 500% | 454% | 455% | +2,384 bps | |
| Non-Interest Burden | 14.23% | 13.60% | 15.82% | 16.29% | 16.70% | 17.23% | 14.50% | 15.04% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.61% | -9.12% | -8.06% | -5.76% | -13.60% | -8.70% | -2.45% | -4.39% | +137 bps | |
| Loan Growth (YoY) | 23.08% | 47.37% | 193.33% | 18.18% | 43.75% | 53.57% | -11.36% | 46.15% | +2,797 bps | |
| Deposit Growth (YoY) | -10.17% | -11.25% | -11.11% | -11.12% | -21.63% | -13.35% | -4.28% | -4.34% | +679 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.13% | 3.57% | 2.27% | 0.00% | 2.17% | 2.33% | 0.00% | 10.53% | +1,053 bps | |
| Net Charge-Offs / Loans | 0.00% | 3.57% | 9.09% | 5.13% | 2.90% | 0.00% | 0.00% | 0.00% | -513 bps | |
| Allowance / Loans | 18.75% | 10.71% | 11.36% | 12.82% | 13.04% | 13.95% | 15.38% | 17.54% | +472 bps | |
| Allowance Coverage of NPLs | 6.0x | 3.0x | 5.0x | n/a | 6.0x | 6.0x | n/a | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.84% | 9.68% | 11.20% | 12.16% | 13.55% | 13.99% | 12.65% | 11.86% | -30 bps | |
| Total Risk-Based Capital | 162.72% | 246% | 329% | 531% | 405% | 467% | 366% | 204% | -32,681 bps | |
| Equity / Assets | 6.48% | 9.85% | 11.45% | 12.36% | 14.19% | 14.25% | 12.53% | 11.79% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.19% | 0.18% | 0.30% | 0.28% | 0.34% | 0.32% | 0.28% | 0.42% | +15 bps | |
| Liquid Assets / Assets | 80.12% | 85.21% | 88.26% | 93.51% | 87.90% | 88.31% | 84.08% | 73.92% | -1,959 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Denver, CO · Cert 27010 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Young Americans Education Foundation
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-11.77%
Rank 745 of 746
Net Interest Margin
3.25%
Rank 535 of 746
Efficiency Ratio
455%
Rank 745 of 746
Equity / Assets
11.79%
Rank 252 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -11.77% | 0.72% | 1.06% | 1.45% | Beats 0% | 745 / 746 | ||
| Return on Equity | -99.84% | 6.74% | 10.51% | 13.63% | Beats 0% | 746 / 746 | ||
| Net Interest Margin | 3.25% | 3.17% | 3.68% | 4.16% | Beats 28% | 535 / 746 | ||
| Efficiency Ratio | 455% | 55.74% | 64.58% | 75.47% | Beats 0% | 745 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 10.53% | 0.09% | 0.42% | 1.07% | Beats 0% | 741 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 203% | 11.55% | 13.75% | 17.60% | Beats 100% | 3 / 746 | ||
| Total Risk-Based Capital Ratio | 204% | 11.71% | 14.33% | 18.43% | Beats 100% | 3 / 746 | ||
| Equity / Assets | 11.79% | 8.90% | 10.51% | 13.06% | Beats 66% | 252 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 0.42% | 61.31% | 78.27% | 90.78% | 0th pctl | 743 / 746 | ||
| Loans / Assets | 0.37% | 53.60% | 66.97% | 76.08% | 0th pctl | 743 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||