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Letter portraitLegal landscapeQuarterYTD

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

4.39%Q2 ’244.50%Q2 ’254.70%Q2 ’26+2%+1%

Non-interest income vs. expense

3.53%Q2 ’243.47%Q2 ’253.46%Q2 ’26-4%+1%

Executive Summary

  • Earnings: ROA of 1.14%, up 6 bps year over year; NIM at 4.25%.
  • 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 (quarter, annualized)

1.14%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+4 bps YoY

Efficiency Ratio (quarter, annualized)

69.67%-7 bps YoY

Tier 1 Leverage Ratio

17.98%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.17%1.26%1.11%1.14%+6 bps
Return on Equity6.75%7.11%7.63%6.72%6.77%+2 bps
Net Interest Margin4.21%4.27%4.21%4.09%4.25%+4 bps
Efficiency Ratio69.74%67.20%65.86%69.15%69.67%-7 bps
Non-Interest Burden2.71%2.62%2.53%2.62%2.74%+4 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