Colorado Federal Savings Bank
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
$2.3BAssets
$1.7BLoans
$1.6BDeposits
$260.7MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of banks $1B-$10B in assets (rank 57 of 328).
- Widest gap: net interest margin trails 98% of banks $1B-$10B in assets (rank 321 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $34.2M · efficiency ratio beats 21% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |