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Letter portraitLegal landscapeQuarterYTD

Colorado Federal Savings Bank

Greenwood Village, CO · Cert 33111 · Silver Queen Finl Services Inc.

State savings bank · OCC · 1 branch

Q2 2026

$2.3BAssets
$1.7BLoans
$1.6BDeposits
$260.7MEquity
Loan mix
99%RE $1.6B1%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $1.4B14%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.62%Q2 ’244.73%Q2 ’254.74%Q2 ’26+15%+27%

Non-interest income vs. expense

0.71%Q2 ’240.71%Q2 ’251.04%Q2 ’26+12%+74%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 1.4% share · #13 of 68 inst. · $1.6B of $113.6B

Executive Summary

  • Earnings: ROA of 0.54%, down 8 bps year over year; NIM at 1.82%.
  • Asset quality: problem loans at 0.50% of loans (+18 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.47%, up 10 bps from a year ago.
  • Funding: loans stand at 102.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%-8 bps YoY

Net Interest Margin (quarter, annualized)

1.82%+39 bps YoY

Efficiency Ratio (quarter, annualized)

60.02%+1,237 bps YoY

Tier 1 Leverage Ratio

10.47%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.84%0.68%0.25%0.54%-8 bps
Return on Equity5.89%8.39%7.08%2.62%5.11%-78 bps
Net Interest Margin1.43%1.80%1.65%1.87%1.82%+39 bps
Efficiency Ratio47.65%39.77%60.17%79.03%60.02%+1,237 bps
Non-Interest Burden0.65%0.75%0.99%1.55%1.13%+48 bps
Growth
Asset Growth (YoY)1.87%8.18%17.49%15.90%-3.99%-585 bps
Loan Growth (YoY)-3.23%1.54%1.38%8.17%3.07%+631 bps
Deposit Growth (YoY)14.02%16.51%16.01%13.67%7.45%-656 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.45%0.47%0.42%0.50%+18 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.05%+5 bps
Allowance / Loans0.85%0.80%0.79%0.78%0.81%-4 bps
Allowance Coverage of NPLs2.7x1.8x1.7x1.9x1.6x-1.1x
Capital
Tier 1 Leverage Ratio10.37%9.82%9.74%9.94%10.47%+10 bps
Total Risk-Based Capital16.86%16.60%16.90%16.87%17.50%+64 bps
Equity / Assets10.17%9.80%9.44%9.98%11.28%+111 bps
Liquidity & Funding
Loans / Deposits106.89%100.47%122.25%115.08%102.54%-435 bps
Liquid Assets / Assets6.71%5.96%11.88%6.08%6.28%-43 bps
CRE / Total Capitaln/a181.83%176.26%187.28%n/an/a