RG Bank, A Savings and Loan Association
Monte Vista, CO · Cert 28315 · Peer group: banks under $1B in assets (n=581-629)
SL · FDIC · 3 branches
Q2 2026
$136.7MAssets
$108.8MLoans
$121.4MDeposits
$14.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 63% of banks under $1B in assets (rank 232 of 629).
- Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets (rank 474 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.60%
Rank 478 of 629
Net Interest Margin
3.80%
Rank 232 of 629
Efficiency Ratio
83.81%
Rank 508 of 629
Equity / Assets
10.74%
Rank 310 of 629
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 19% 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 | 0.60% | 0.60% | 1.01% | 1.45% | Beats 24% | 478 / 629 | | |
| Return on Equity | 5.55% | 5.38% | 9.30% | 13.28% | Beats 26% | 466 / 629 | | |
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 63% | 232 / 629 | | |
| Efficiency Ratio | 83.81% | 58.35% | 67.79% | 79.08% | Beats 19% | 508 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.09% | 0.46% | 1.20% | Beats 19% | 474 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 267 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 11.24% | 13.84% | 18.77% | Beats 32% | 429 / 629 | | |
| Total Risk-Based Capital Ratio | 11.86% | 11.58% | 14.43% | 19.66% | Beats 27% | 458 / 629 | | |
| Equity / Assets | 10.74% | 9.09% | 10.65% | 13.80% | Beats 51% | 310 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.66% | 67.24% | 80.90% | 93.48% | 68th pctl | 189 / 594 | | |
| Loans / Assets | 79.60% | 53.31% | 67.71% | 78.15% | 81st pctl | 120 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |