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 (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 | -12.56% | -8.55% | -12.73% | -12.15% | -15.17% | -14.59% | -11.41% | -11.50% | +65 bps | |
| Return on Equity | -176.13% | -105.47% | -119.67% | -102.09% | -114.37% | -102.62% | -85.34% | -94.49% | +760 bps | |
| Net Interest Margin | 3.22% | 3.37% | 3.19% | 4.14% | 3.08% | 2.72% | 3.15% | 3.21% | -93 bps | |
| Efficiency Ratio | 487% | 350% | 487% | 387% | 564% | 615% | 454% | 457% | +6,934 bps | |
| Non-Interest Burden | 16.02% | 12.09% | 15.82% | 16.25% | 17.72% | 17.09% | 14.50% | 14.95% | -130 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% | 14.29% | 9.09% | 0.00% | 0.00% | -9.30% | 0.00% | 0.00% | 0 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 | |