Greenwood Village, CO · Cert 33111 · Silver Queen Finl Services Inc.
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
61
Profitability
4
Liquidity
0
Efficiency
21
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.
Greenwood Village, CO · Cert 33111 · Silver Queen Finl Services Inc.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 1.4% share · #13 of 68 inst. · $1.6B of $113.6B
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 | 0.53% | 0.62% | 0.13% | 0.37% | 0.53% | 0.57% | 0.25% | 0.39% | +2 bps | |
| Return on Equity | 5.04% | 5.93% | 1.22% | 3.56% | 5.19% | 5.67% | 2.62% | 3.87% | +31 bps | |
| Net Interest Margin | 1.31% | 1.30% | 1.22% | 1.31% | 1.41% | 1.44% | 1.87% | 1.88% | +58 bps | |
| Efficiency Ratio | 51.29% | 47.07% | 84.43% | 61.41% | 51.92% | 54.38% | 79.03% | 69.22% | +781 bps | |
| Non-Interest Burden | 0.63% | 0.50% | 1.07% | 0.85% | 0.77% | 0.81% | 1.55% | 1.37% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | -0.57% | -4.69% | 1.87% | 8.18% | 17.49% | 15.90% | -3.99% | -585 bps | |
| Loan Growth (YoY) | 6.52% | 7.95% | 1.87% | -3.23% | 1.54% | 1.38% | 8.17% | 3.07% | +631 bps | |
| Deposit Growth (YoY) | 10.57% | 6.46% | 11.29% | 14.02% | 16.51% | 16.01% | 13.67% | 7.45% | -656 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.28% | 0.29% | 0.31% | 0.45% | 0.47% | 0.42% | 0.50% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.84% | 0.85% | 0.80% | 0.79% | 0.78% | 0.81% | -4 bps | |
| Allowance Coverage of NPLs | 14.3x | 2.9x | 2.9x | 2.7x | 1.8x | 1.7x | 1.9x | 1.6x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.20% | 10.50% | 10.37% | 9.82% | 9.74% | 9.94% | 10.47% | +10 bps | |
| Total Risk-Based Capital | 16.65% | 15.60% | 16.19% | 16.86% | 16.60% | 16.90% | 16.87% | 17.50% | +64 bps | |
| Equity / Assets | 10.54% | 10.39% | 10.84% | 10.17% | 9.80% | 9.44% | 9.98% | 11.28% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.28% | 139.89% | 120.94% | 106.89% | 100.47% | 122.25% | 115.08% | 102.54% | -435 bps | |
| Liquid Assets / Assets | 8.32% | 6.72% | 7.01% | 6.71% | 5.96% | 11.88% | 6.08% | 6.28% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 181.83% | 176.26% | 187.28% | n/a | n/a | |
Greenwood Village, CO · Cert 33111 · Peer group: banks $1B-$10B in assets (n=322-328) · Silver Queen Finl Services Inc.
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
0.43%
Rank 311 of 328
Net Interest Margin
1.88%
Rank 321 of 328
Efficiency Ratio
69.22%
Rank 261 of 328
Equity / Assets
11.28%
Rank 119 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.91% | 1.22% | 1.52% | Beats 5% | 311 / 328 | ||
| Return on Equity | 3.83% | 8.43% | 11.45% | 14.43% | Beats 5% | 313 / 328 | ||
| Net Interest Margin | 1.88% | 3.03% | 3.45% | 3.83% | Beats 2% | 321 / 328 | ||
| Efficiency Ratio | 69.22% | 51.61% | 59.56% | 67.53% | Beats 21% | 261 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.24% | 0.51% | 1.03% | Beats 51% | 159 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 70% | 97 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.64% | 11.75% | 13.15% | 15.47% | Beats 83% | 57 / 328 | ||
| Total Risk-Based Capital Ratio | 17.50% | 12.63% | 14.15% | 16.46% | Beats 82% | 58 / 328 | ||
| Equity / Assets | 11.28% | 9.15% | 10.33% | 12.01% | Beats 64% | 119 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.54% | 76.63% | 87.92% | 95.36% | 92nd pctl | 26 / 323 | ||
| Loans / Assets | 71.40% | 65.18% | 74.15% | 79.98% | 41st pctl | 193 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||