Las Animas, CO · Cert 3034 · First Bankshares Las Animas
National charter · OCC · 7 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.3% share · #22 of 41 inst. · $0.1B of $10.7B
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.59% | 1.64% | 1.78% | 1.70% | 0 bps | |
| Return on Equity | 18.20% | 16.53% | 16.75% | 17.06% | 16.11% | -209 bps | |
| Net Interest Margin | 3.86% | 3.93% | 3.88% | 4.06% | 4.16% | +31 bps | |
| Efficiency Ratio | 47.91% | 47.75% | 47.72% | 47.89% | 46.73% | -117 bps | |
| Non-Interest Burden | 1.67% | 1.70% | 1.67% | 1.76% | 1.76% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.54% | 1.19% | 5.14% | 2.00% | 5.12% | -42 bps | |
| Loan Growth (YoY) | 4.42% | 2.99% | 5.75% | 6.46% | 14.73% | +1,030 bps | |
| Deposit Growth (YoY) | 3.75% | 2.33% | 4.18% | 0.55% | 3.32% | -42 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.03% | 0.03% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.83% | 1.79% | 1.81% | 1.72% | 1.66% | -18 bps | |
| Allowance Coverage of NPLs | 98.4x | 67.2x | 67.4x | 67.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.60% | 11.83% | 11.64% | 11.69% | 11.76% | +16 bps | |
| Total Risk-Based Capital | 11.60% | 11.83% | 11.64% | 11.69% | 11.76% | +16 bps | |
| Equity / Assets | 9.48% | 10.34% | 10.50% | 10.39% | 10.85% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.82% | 72.81% | 69.06% | 74.06% | 78.64% | +782 bps | |
| Liquid Assets / Assets | 0.84% | 0.83% | 0.92% | 0.91% | 0.85% | +1 bps | |
| CRE / Total Capital | n/a | 162.92% | 164.98% | 169.51% | n/a | n/a | |