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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 $3.6MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $242.1M24%Noninterest $75.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.04%1.08%1.08%1.11%1.15%1.11%1.13%+5 bps
Return on Equity6.87%7.08%7.03%6.90%6.96%7.14%6.72%6.75%-15 bps
Net Interest Margin4.09%4.10%4.12%4.16%4.17%4.12%4.09%4.17%+1 bps
Efficiency Ratio72.82%71.98%70.88%70.30%69.24%68.39%69.15%69.42%-88 bps
Non-Interest Burden2.78%2.75%2.70%2.70%2.66%2.59%2.62%2.68%-2 bps
Growth
Asset Growth (YoY)-3.61%-1.02%1.05%-1.87%0.07%3.65%4.41%4.62%+649 bps
Loan Growth (YoY)3.07%4.37%3.50%0.50%5.07%6.90%7.29%7.03%+653 bps
Deposit Growth (YoY)-7.01%-2.76%-0.84%-4.55%-3.06%2.24%3.47%4.33%+888 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.34%0.38%0.25%0.21%0.18%0.18%0.15%-10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans0.98%0.99%0.98%1.01%1.03%1.03%1.05%1.06%+5 bps
Allowance Coverage of NPLs2.2x2.9x2.6x4.0x4.8x5.6x5.8x7.2x+3.1x
Capital
Tier 1 Leverage Ratio17.12%17.30%17.63%17.87%17.99%17.96%17.71%17.98%+11 bps
Total Risk-Based Capital28.15%28.05%29.89%29.41%30.36%29.52%31.04%30.68%+128 bps
Equity / Assets15.48%15.13%15.75%16.25%16.68%16.49%16.67%17.09%+83 bps
Liquidity & Funding
Loans / Deposits82.76%83.07%83.78%87.14%89.71%86.86%86.87%89.39%+225 bps
Liquid Assets / Assets3.24%2.96%1.88%0.42%0.28%2.58%3.65%2.27%+185 bps
CRE / Total Capitaln/an/an/an/a66.75%63.45%61.07%n/an/a