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 | |