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
Unfavorable gap of $16.3M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | 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 |