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Gunnison Savings and Loan Association

Gunnison, CO · Cert 30388

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gunnison Savings and Loan Association

Gunnison, CO · Cert 30388

SL · FDIC · 1 branch

Q2 2026

$102.2MAssets
$60.3MLoans
$83.4MDeposits
$13.1MEquity
Loan mix
99%RE $58.0M0%C&I $0.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $77.6M7%Noninterest $5.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.30%, up 45 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.10% of loans (-137 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.90%, up 11 bps from a year ago.
  • Funding: loans stand at 72.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+59 bps YoY

Efficiency Ratio (YTD, annualized)

88.52%-1,906 bps YoY

Tier 1 Leverage Ratio

12.90%+11 bps YoY

NIM

3.44%Q2 ’243.77%Q2 ’254.45%Q2 ’26+3%+30%

Non-interest income vs. expense

2.23%Q2 ’242.19%Q2 ’252.33%Q2 ’26-2%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.24%-0.21%-0.15%-0.15%0.01%0.34%0.30%+45 bps
Return on Equity-1.87%-1.90%-1.66%-1.20%-1.19%0.06%2.61%2.34%+355 bps
Net Interest Margin1.97%1.97%1.96%2.01%2.07%2.19%2.58%2.60%+59 bps
Efficiency Ratio111.78%111.97%110.82%107.58%103.99%97.36%86.97%88.52%-1,906 bps
Non-Interest Burden2.21%2.21%2.18%2.16%2.16%2.13%2.24%2.30%+14 bps
Growth
Asset Growth (YoY)-1.51%-0.93%-2.93%-0.77%-2.57%0.44%1.13%0.29%+106 bps
Loan Growth (YoY)5.69%2.28%3.01%7.18%6.38%6.52%5.34%3.15%-403 bps
Deposit Growth (YoY)-5.76%0.74%-0.18%2.68%-0.17%0.32%1.19%0.42%-227 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.17%0.24%1.47%1.44%0.74%0.12%0.10%-137 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.92%0.93%0.91%0.87%0.86%0.88%0.87%0.85%-3 bps
Allowance Coverage of NPLs5.3x5.5x3.8x0.6x0.6x1.2x7.5x8.1x+7.5x
Capital
Tier 1 Leverage Ratio12.49%12.48%12.90%12.80%12.69%12.76%12.91%12.90%+11 bps
Total Risk-Based Capital12.49%12.48%12.90%12.80%12.69%12.76%12.91%12.90%+11 bps
Equity / Assets12.42%12.80%12.76%12.67%12.69%12.91%12.82%12.82%+15 bps
Liquidity & Funding
Loans / Deposits66.31%66.19%67.66%70.35%70.66%70.28%70.44%72.26%+192 bps
Liquid Assets / Assets38.07%36.90%33.69%31.87%27.10%24.67%21.57%18.56%-1,331 bps
CRE / Total Capitaln/an/an/an/a24.84%32.95%43.31%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gunnison Savings and Loan Association

Gunnison, CO · Cert 30388 · Peer group: banks under $1B in assets (n=581-629)

SL · FDIC · 1 branch

Q2 2026

$102.2MAssets
$60.3MLoans
$83.4MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 555 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.30%

Rank 546 of 629

Net Interest Margin

2.60%

Rank 555 of 629

Efficiency Ratio

88.52%

Rank 543 of 629

Equity / Assets

12.82%

Rank 192 of 629

Non-interest income vs. expense

$0.0M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.52%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.30%0.60%1.01%1.45%Beats 13%546 / 629
Return on Equity2.35%5.38%9.30%13.28%Beats 13%547 / 629
Net Interest Margin2.60%3.03%3.54%4.05%Beats 12%555 / 629
Efficiency Ratio88.52%58.35%67.79%79.08%Beats 14%543 / 629
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 73%158 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.90%11.24%13.84%18.77%Beats 42%364 / 629
Total Risk-Based Capital Ratio12.90%11.58%14.43%19.66%Beats 37%394 / 629
Equity / Assets12.82%9.09%10.65%13.80%Beats 69%192 / 629
Liquidity & Funding
Loans / Deposits72.26%67.24%80.90%93.48%34th pctl394 / 594
Loans / Assets58.98%53.31%67.71%78.15%33rd pctl424 / 629
Brokered Deposits / Depositsn/aNot reported for this institution