Hugo, CO · Cert 3029
National charter · 3 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 (n=557 to 606). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
100
Profitability
6
Liquidity
13
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.
Hugo, CO · Cert 3029
National charter · 3 branches
Q1 2026
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.72% | 0.63% | 0.75% | 0.81% | 0.81% | 0.83% | -6.08% | -682 bps | |
| Return on Equity | 7.48% | 8.30% | 7.22% | 8.14% | 8.94% | 8.76% | 8.90% | -61.98% | -7,012 bps | |
| Net Interest Margin | 2.42% | 2.49% | 2.52% | 2.58% | 2.58% | 2.64% | 2.62% | 2.76% | +18 bps | |
| Efficiency Ratio | 76.88% | 78.64% | 78.95% | 82.77% | 77.57% | 77.34% | 74.77% | 74.84% | -793 bps | |
| Non-Interest Burden | 1.78% | 1.88% | 1.91% | 2.08% | 1.92% | 1.97% | 1.85% | 2.00% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 0.05% | -2.31% | 0.13% | -0.41% | 1.45% | 7.78% | 5.97% | +584 bps | |
| Loan Growth (YoY) | -10.55% | -12.12% | -11.65% | -8.78% | -4.96% | -3.73% | 3.82% | 1.13% | +991 bps | |
| Deposit Growth (YoY) | 4.58% | 4.29% | 0.14% | 1.47% | -1.02% | 1.10% | 7.68% | 5.36% | +388 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.04% | 0.31% | 0.08% | 0.00% | 0.00% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.10% | -0.01% | -0.06% | -0.01% | -0.01% | -0.10% | -10 bps | |
| Allowance / Loans | 1.90% | 1.95% | 1.91% | 1.96% | 1.95% | 1.92% | 1.94% | 2.05% | +10 bps | |
| Allowance Coverage of NPLs | 71.0x | 71.0x | 52.3x | 6.2x | 23.8x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 11.14% | 11.18% | 11.46% | 10.93% | 11.15% | 10.86% | 9.52% | -195 bps | |
| Total Risk-Based Capital | 10.77% | 11.14% | 11.18% | 11.46% | 10.93% | 11.15% | 10.86% | 9.52% | -195 bps | |
| Equity / Assets | 8.25% | 9.56% | 8.97% | 9.36% | 8.86% | 9.79% | 9.70% | 9.91% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.57% | 56.00% | 56.65% | 54.07% | 52.39% | 53.33% | 54.61% | 51.90% | -217 bps | |
| Liquid Assets / Assets | 9.85% | 9.35% | 9.32% | 8.76% | 8.55% | 8.70% | 7.99% | 15.55% | +679 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 88.10% | 89.41% | 97.92% | n/a | |
Hugo, CO · Cert 3029 · Peer group: banks under $1B in assets (n=557-606)
National charter · 3 branches
Q1 2026
Return on Assets
-6.06%
Rank 595 of 604
Net Interest Margin
2.76%
Rank 512 of 604
Efficiency Ratio
74.84%
Rank 397 of 603
Equity / Assets
9.91%
Rank 346 of 604
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -6.06% | 0.58% | 1.00% | 1.47% | Beats 1% | 595 / 604 | ||
| Return on Equity | -61.16% | 5.38% | 9.60% | 13.62% | Beats 1% | 600 / 604 | ||
| Net Interest Margin | 2.76% | 3.01% | 3.52% | 4.07% | Beats 15% | 512 / 604 | ||
| Efficiency Ratio | 74.84% | 58.15% | 68.01% | 80.27% | Beats 34% | 397 / 603 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.39% | 1.12% | Beats 100% | 79 / 558 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 211 / 557 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 11.15% | 13.69% | 18.60% | Beats 4% | 578 / 604 | ||
| Total Risk-Based Capital Ratio | 9.52% | 11.56% | 14.21% | 19.70% | Beats 4% | 580 / 604 | ||
| Equity / Assets | 9.91% | 8.81% | 10.34% | 13.22% | Beats 43% | 346 / 604 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.90% | 63.31% | 78.59% | 92.04% | 13th pctl | 498 / 570 | ||
| Loans / Assets | 46.58% | 50.80% | 66.73% | 77.27% | 20th pctl | 485 / 606 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.83% | Beats 100% | 331 / 568 | n/a | |