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High Country Bank

Salida, CO · Cert 29783 · High Country Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

High Country Bank

Salida, CO · Cert 29783 · High Country Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$528.5MAssets
$445.8MLoans
$450.5MDeposits
$49.1MEquity
Loan mix
95%RE $418.0M5%C&I $19.9M0%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $397.0M12%Noninterest $53.5MQ2 2025Q2 2026

NIM

5.51%Q2 ’245.74%Q2 ’255.76%Q2 ’26+6%+3%

Non-interest income vs. expense

3.37%Q2 ’243.50%Q2 ’253.50%Q2 ’26+3%0%

Market Position · Boulder, CO · 2026 SOD (annual) · 0.1% share · #32 of 32 inst. · $0.0B of $11.6B

45.4% Chaffee
8.7% Fremont
0.1% Boulder

Executive Summary

  • Earnings: ROA of 1.08%, up 18 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 1.34% of loans (+44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.62%, up 90 bps from a year ago.
  • Funding: loans stand at 98.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+12 bps YoY

Efficiency Ratio (YTD, annualized)

71.35%-205 bps YoY

Tier 1 Leverage Ratio

9.62%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.83%0.96%1.06%1.08%+18 bps
Return on Equity10.87%10.03%11.40%11.63%11.82%+94 bps
Net Interest Margin4.38%4.35%4.34%4.43%4.51%+12 bps
Efficiency Ratio73.40%71.39%70.90%71.72%71.35%-205 bps
Non-Interest Burden3.11%2.99%2.96%3.07%3.10%-1 bps
Growth
Asset Growth (YoY)6.72%5.12%6.71%4.08%2.89%-383 bps
Loan Growth (YoY)8.72%7.39%7.52%6.50%3.47%-525 bps
Deposit Growth (YoY)8.53%4.84%5.39%3.33%6.25%-228 bps
Asset Quality
Nonperforming Loans / Loans0.91%1.53%1.22%1.34%1.34%+44 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans1.10%1.27%1.18%1.19%1.19%+9 bps
Allowance Coverage of NPLs1.2x0.8x1.0x0.9x0.9x-0.3x
Capital
Tier 1 Leverage Ratio8.72%8.66%9.30%9.43%9.62%+90 bps
Total Risk-Based Capital12.57%12.24%9.30%9.43%9.62%-295 bps
Equity / Assets8.28%8.34%8.98%9.27%9.29%+101 bps
Liquidity & Funding
Loans / Deposits101.62%102.11%102.75%101.70%98.96%-266 bps
Liquid Assets / Assets1.14%0.81%0.57%0.73%1.17%+3 bps
CRE / Total Capitaln/a446%413%407%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

High Country Bank

Salida, CO · Cert 29783 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · High Country Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$528.5MAssets
$445.8MLoans
$450.5MDeposits
$49.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets operating in a single state (rank 89 of 746).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 718 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.08%

Rank 359 of 746

Net Interest Margin

4.51%

Rank 89 of 746

Efficiency Ratio

71.35%

Rank 493 of 746

Equity / Assets

9.29%

Rank 520 of 746

Non-interest income vs. expense

$2.1M$18.4MINCOMEEXPENSE
Unfavorable gap of $16.3M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state
Bank 71.35%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.72%1.06%1.45%Beats 52%359 / 746
Return on Equity11.67%6.74%10.51%13.63%Beats 61%293 / 746
Net Interest Margin4.51%3.17%3.68%4.16%Beats 88%89 / 746
Efficiency Ratio71.35%55.74%64.58%75.47%Beats 34%493 / 746
Asset Quality
Nonperforming Loans / Loans1.34%0.09%0.42%1.07%Beats 19%602 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 72%212 / 743
Capital
Tier 1 Capital Ratio9.62%11.55%13.75%17.60%Beats 4%718 / 746
Total Risk-Based Capital Ratio9.62%11.71%14.33%18.43%Beats 4%718 / 746
Equity / Assets9.29%8.90%10.51%13.06%Beats 30%520 / 746
Liquidity & Funding
Loans / Deposits98.96%61.31%78.27%90.78%89th pctl82 / 746
Loans / Assets84.36%53.60%66.97%76.08%94th pctl45 / 746
Brokered Deposits / Depositsn/aNot reported for this institution