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
Unfavorable gap of $10.6M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.60% | 1.01% | 1.45% | Beats 58% | 263 / 629 | | |
| Return on Equity | 6.66% | 5.38% | 9.30% | 13.28% | Beats 31% | 432 / 629 | | |
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 80% | 124 / 629 | | |
| Efficiency Ratio | 69.42% | 58.35% | 67.79% | 79.08% | Beats 46% | 340 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.46% | 1.20% | Beats 70% | 177 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 72% | 163 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 29.43% | 11.24% | 13.84% | 18.77% | Beats 87% | 82 / 629 | | |
| Total Risk-Based Capital Ratio | 30.68% | 11.58% | 14.43% | 19.66% | Beats 87% | 80 / 629 | | |
| Equity / Assets | 17.09% | 9.09% | 10.65% | 13.80% | Beats 83% | 104 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.39% | 67.24% | 80.90% | 93.48% | 67th pctl | 195 / 594 | | |
| Loans / Assets | 72.84% | 53.31% | 67.71% | 78.15% | 60th pctl | 250 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |