Del Norte Bank, A Savings and Loan Association
Del Norte, CO · Cert 29066 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Del Norte M H C
SL · FDIC · 2 branches
Q2 2026
$155.3MAssets
$126.2MLoans
$127.2MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 751).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets operating in a single state (rank 648 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 296 of 755
Net Interest Margin
4.38%
Rank 124 of 755
Efficiency Ratio
67.83%
Rank 435 of 755
Equity / Assets
9.88%
Rank 461 of 755
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.72% | 1.06% | 1.45% | Beats 61% | 296 / 755 | |
| Return on Equity | 12.19% | 6.66% | 10.44% | 13.61% | Beats 65% | 264 / 755 | |
| Net Interest Margin | 4.38% | 3.15% | 3.68% | 4.17% | Beats 84% | 124 / 755 | |
| Efficiency Ratio | 67.83% | 55.75% | 64.78% | 75.61% | Beats 43% | 435 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.05% | Beats 79% | 158 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 10.69% | 11.56% | 13.81% | 17.74% | Beats 16% | 637 / 755 | |
| Total Risk-Based Capital Ratio | 10.69% | 11.72% | 14.46% | 18.53% | Beats 14% | 648 / 755 | |
| Equity / Assets | 9.88% | 8.93% | 10.56% | 13.13% | Beats 39% | 461 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 99.21% | 62.43% | 78.62% | 91.00% | 88th pctl | 87 / 755 | |
| Loans / Assets | 81.25% | 54.70% | 67.27% | 76.55% | 88th pctl | 94 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |