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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.81% | 0.81% | 0.83% | -6.08% | -682 bps | |
| Return on Equity | 8.14% | 8.94% | 8.76% | 8.90% | -61.98% | -7,012 bps | |
| Net Interest Margin | 2.58% | 2.58% | 2.64% | 2.62% | 2.76% | +18 bps | |
| Efficiency Ratio | 82.77% | 77.57% | 77.34% | 74.77% | 74.84% | -793 bps | |
| Non-Interest Burden | 2.08% | 1.92% | 1.97% | 1.85% | 2.00% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.13% | -0.41% | 1.45% | 7.78% | 5.97% | +584 bps | |
| Loan Growth (YoY) | -8.78% | -4.96% | -3.73% | 3.82% | 1.13% | +991 bps | |
| Deposit Growth (YoY) | 1.47% | -1.02% | 1.10% | 7.68% | 5.36% | +388 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.08% | 0.00% | 0.00% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.06% | -0.01% | -0.01% | -0.10% | -10 bps | |
| Allowance / Loans | 1.96% | 1.95% | 1.92% | 1.94% | 2.05% | +10 bps | |
| Allowance Coverage of NPLs | 6.2x | 23.8x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.46% | 10.93% | 11.15% | 10.86% | 9.52% | -195 bps | |
| Total Risk-Based Capital | 11.46% | 10.93% | 11.15% | 10.86% | 9.52% | -195 bps | |
| Equity / Assets | 9.36% | 8.86% | 9.79% | 9.70% | 9.91% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.07% | 52.39% | 53.33% | 54.61% | 51.90% | -217 bps | |
| Liquid Assets / Assets | 8.76% | 8.55% | 8.70% | 7.99% | 15.55% | +679 bps | |
| CRE / Total Capital | n/a | n/a | 88.10% | 89.41% | 97.92% | n/a | |