Del Norte Bank, A Savings and Loan Association

Del Norte, CO · Cert 29066 · Del Norte M H C

SL · FDIC · 2 branches

Q2 2026

$155.3MAssets

$126.2MLoans

$127.2MDeposits

$15.3MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 1.22%, up 21 bps year over year; NIM at 4.38%.
Asset quality: problem loans at 0.04% of loans (-48 bps YoY), with net charge-offs at 0.00%.

Return on Assets (YTD, annualized)

1.22%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+16 bps YoY

Efficiency Ratio (YTD, annualized)

67.83%-192 bps YoY

Tier 1 Leverage Ratio

10.69%+22 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.02%	1.00%	0.99%	1.12%	1.22%	+21 bps
Return on Equity	11.07%	10.85%	10.60%	11.60%	12.57%	+149 bps
Net Interest Margin	4.22%	4.15%	4.08%	4.34%	4.38%	+16 bps
Efficiency Ratio	69.75%	70.21%	70.98%	69.37%	67.83%	-192 bps
Non-Interest Burden	2.86%	2.82%	2.82%	2.85%	2.81%	-5 bps
Growth
Asset Growth (YoY)	5.50%	0.59%	7.07%	7.92%	4.99%	-51 bps
Loan Growth (YoY)	4.35%	4.97%	8.67%	8.78%	4.89%	+54 bps
Deposit Growth (YoY)	5.47%	-2.55%	0.79%	4.26%	3.35%	-212 bps
Asset Quality
Nonperforming Loans / Loans	0.52%	0.78%	0.45%	1.34%	0.04%	-48 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.11%	1.13%	1.10%	1.10%	1.10%	0 bps
Allowance Coverage of NPLs	2.1x	1.4x	2.4x	0.8x	26.8x	+24.7x
Capital
Tier 1 Leverage Ratio	10.47%	10.31%	10.17%	10.48%	10.69%	+22 bps
Total Risk-Based Capital	10.47%	10.31%	10.17%	10.48%	10.69%	+22 bps
Equity / Assets	9.20%	9.48%	9.62%	9.72%	9.88%	+68 bps
Liquidity & Funding
Loans / Deposits	97.76%	98.13%	102.29%	101.78%	99.21%	+146 bps
Liquid Assets / Assets	2.47%	2.31%	1.78%	2.10%	2.06%	-41 bps
CRE / Total Capital	n/a	273%	292%	288%	n/a	n/a