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San Luis Valley Federal Bank

Alamosa, CO · Cert 28208 · Colorado Mutual Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

San Luis Valley Federal Bank

Alamosa, CO · Cert 28208 · Colorado Mutual Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

$390.2MAssets
$284.2MLoans
$317.9MDeposits
$66.7MEquity
Loan mix
97%RE $266.3M2%C&I $5.1M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $242.1M24%Noninterest $75.8MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.44%Q2 ’254.63%Q2 ’26+2%+0%

Non-interest income vs. expense

3.48%Q2 ’243.45%Q2 ’253.38%Q2 ’26-3%-1%

Executive Summary

  • Earnings: ROA of 1.13%, up 5 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.15% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.98%, up 11 bps from a year ago.
  • Funding: loans stand at 89.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+1 bps YoY

Efficiency Ratio (YTD, annualized)

69.42%-88 bps YoY

Tier 1 Leverage Ratio

17.98%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.11%1.15%1.11%1.13%+5 bps
Return on Equity6.90%6.96%7.14%6.72%6.75%-15 bps
Net Interest Margin4.16%4.17%4.12%4.09%4.17%+1 bps
Efficiency Ratio70.30%69.24%68.39%69.15%69.42%-88 bps
Non-Interest Burden2.70%2.66%2.59%2.62%2.68%-2 bps
Growth
Asset Growth (YoY)-1.87%0.07%3.65%4.41%4.62%+649 bps
Loan Growth (YoY)0.50%5.07%6.90%7.29%7.03%+653 bps
Deposit Growth (YoY)-4.55%-3.06%2.24%3.47%4.33%+888 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.21%0.18%0.18%0.15%-10 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.01%1.03%1.03%1.05%1.06%+5 bps
Allowance Coverage of NPLs4.0x4.8x5.6x5.8x7.2x+3.1x
Capital
Tier 1 Leverage Ratio17.87%17.99%17.96%17.71%17.98%+11 bps
Total Risk-Based Capital29.41%30.36%29.52%31.04%30.68%+128 bps
Equity / Assets16.25%16.68%16.49%16.67%17.09%+83 bps
Liquidity & Funding
Loans / Deposits87.14%89.71%86.86%86.87%89.39%+225 bps
Liquid Assets / Assets0.42%0.28%2.58%3.65%2.27%+185 bps
CRE / Total Capitaln/a66.75%63.45%61.07%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

San Luis Valley Federal Bank

Alamosa, CO · Cert 28208 · Peer group: banks under $1B in assets (n=581-629) · Colorado Mutual Holding Co.

State savings bank · OCC · 3 branches

Q2 2026

$390.2MAssets
$284.2MLoans
$317.9MDeposits
$66.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets (rank 82 of 629).
  • Widest gap: return on equity trails 69% of banks under $1B in assets (rank 432 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.14%

Rank 263 of 629

Net Interest Margin

4.17%

Rank 124 of 629

Efficiency Ratio

69.42%

Rank 340 of 629

Equity / Assets

17.09%

Rank 104 of 629

Non-interest income vs. expense

$2.8M$13.4MINCOMEEXPENSE
Unfavorable gap of $10.6M · efficiency ratio beats 46% of banks under $1B in assets
Bank 69.42%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.60%1.01%1.45%Beats 58%263 / 629
Return on Equity6.66%5.38%9.30%13.28%Beats 31%432 / 629
Net Interest Margin4.17%3.03%3.54%4.05%Beats 80%124 / 629
Efficiency Ratio69.42%58.35%67.79%79.08%Beats 46%340 / 629
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.46%1.20%Beats 70%177 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 72%163 / 581
Capital
Tier 1 Capital Ratio29.43%11.24%13.84%18.77%Beats 87%82 / 629
Total Risk-Based Capital Ratio30.68%11.58%14.43%19.66%Beats 87%80 / 629
Equity / Assets17.09%9.09%10.65%13.80%Beats 83%104 / 629
Liquidity & Funding
Loans / Deposits89.39%67.24%80.90%93.48%67th pctl195 / 594
Loans / Assets72.84%53.31%67.71%78.15%60th pctl250 / 629
Brokered Deposits / Depositsn/aNot reported for this institution