Salida, CO · Cert 29783 · High Country Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
13
Asset Quality
46
Profitability
67
Liquidity
6
Efficiency
34
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.
Salida, CO · Cert 29783 · High Country Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Boulder, CO · 2026 SOD (annual) · 0.1% share · #32 of 32 inst. · $0.0B of $11.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.65% | 1.01% | 0.90% | 0.83% | 0.96% | 1.06% | 1.08% | +18 bps | |
| Return on Equity | 7.37% | 7.60% | 12.24% | 10.87% | 10.03% | 11.40% | 11.63% | 11.82% | +94 bps | |
| Net Interest Margin | 4.04% | 4.08% | 4.38% | 4.38% | 4.35% | 4.34% | 4.43% | 4.51% | +12 bps | |
| Efficiency Ratio | 74.20% | 76.02% | 72.22% | 73.40% | 71.39% | 70.90% | 71.72% | 71.35% | -205 bps | |
| Non-Interest Burden | 2.91% | 3.02% | 3.06% | 3.11% | 2.99% | 2.96% | 3.07% | 3.10% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.80% | 8.73% | 8.43% | 6.72% | 5.12% | 6.71% | 4.08% | 2.89% | -383 bps | |
| Loan Growth (YoY) | 14.23% | 12.22% | 9.93% | 8.72% | 7.39% | 7.52% | 6.50% | 3.47% | -525 bps | |
| Deposit Growth (YoY) | 5.24% | 7.90% | 12.02% | 8.53% | 4.84% | 5.39% | 3.33% | 6.25% | -228 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.97% | 0.92% | 0.91% | 1.53% | 1.22% | 1.34% | 1.34% | +44 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.19% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.06% | 1.10% | 1.27% | 1.18% | 1.19% | 1.19% | +9 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.2x | 1.2x | 0.8x | 1.0x | 0.9x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.79% | 8.74% | 8.81% | 8.72% | 8.66% | 9.30% | 9.43% | 9.62% | +90 bps | |
| Total Risk-Based Capital | 8.79% | 8.74% | 12.65% | 12.57% | 12.24% | 9.30% | 9.43% | 9.62% | -295 bps | |
| Equity / Assets | 8.43% | 8.22% | 8.35% | 8.28% | 8.34% | 8.98% | 9.27% | 9.29% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.69% | 100.71% | 98.68% | 101.62% | 102.11% | 102.75% | 101.70% | 98.96% | -266 bps | |
| Liquid Assets / Assets | 1.16% | 0.57% | 1.52% | 1.14% | 0.81% | 0.57% | 0.73% | 1.17% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 413% | 407% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.72% | 1.06% | 1.45% | Beats 52% | 359 / 746 | ||
| Return on Equity | 11.67% | 6.74% | 10.51% | 13.63% | Beats 61% | 293 / 746 | ||
| Net Interest Margin | 4.51% | 3.17% | 3.68% | 4.16% | Beats 88% | 89 / 746 | ||
| Efficiency Ratio | 71.35% | 55.74% | 64.58% | 75.47% | Beats 34% | 493 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.09% | 0.42% | 1.07% | Beats 19% | 602 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 212 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.62% | 11.55% | 13.75% | 17.60% | Beats 4% | 718 / 746 | ||
| Total Risk-Based Capital Ratio | 9.62% | 11.71% | 14.33% | 18.43% | Beats 4% | 718 / 746 | ||
| Equity / Assets | 9.29% | 8.90% | 10.51% | 13.06% | Beats 30% | 520 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.96% | 61.31% | 78.27% | 90.78% | 89th pctl | 82 / 746 | ||
| Loans / Assets | 84.36% | 53.60% | 66.97% | 76.08% | 94th pctl | 45 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||