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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