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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.89% | 0.13% | 0.62% | 0.84% | 0.68% | 0.25% | 0.54% | -8 bps | |
| Return on Equity | 5.22% | 8.54% | 1.22% | 5.89% | 8.39% | 7.08% | 2.62% | 5.11% | -78 bps | |
| Net Interest Margin | 1.45% | 1.25% | 1.22% | 1.43% | 1.80% | 1.65% | 1.87% | 1.82% | +39 bps | |
| Efficiency Ratio | 49.92% | 37.71% | 84.43% | 47.65% | 39.77% | 60.17% | 79.03% | 60.02% | +1,237 bps | |
| Non-Interest Burden | 0.74% | 0.08% | 1.07% | 0.65% | 0.75% | 0.99% | 1.55% | 1.13% | +48 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 | 0.01% | -0.01% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 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 | |