Memphis, TX · Cert 3335
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.5% share · #33 of 41 inst. · $0.1B of $10.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 2.41% | 0.71% | 1.06% | 1.44% | +114 bps | |
| Return on Equity | 1.45% | 11.44% | 3.98% | 6.00% | 8.32% | +687 bps | |
| Net Interest Margin | 4.14% | 4.22% | 0.16% | 4.15% | 4.71% | +57 bps | |
| Efficiency Ratio | 90.72% | 37.37% | -2492% | 62.50% | 57.34% | -3,338 bps | |
| Non-Interest Burden | 3.52% | 1.49% | -0.73% | 2.73% | 2.79% | -72 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.84% | 108.97% | 99.62% | 101.91% | 72.33% | +5,349 bps | |
| Loan Growth (YoY) | -6.99% | 0.56% | 22.03% | 58.99% | 70.90% | +7,789 bps | |
| Deposit Growth (YoY) | 8.15% | 104.18% | 90.87% | 94.31% | 94.63% | +8,648 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.02% | 0.85% | 0.69% | 0.63% | -76 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.36% | 15.92% | 15.44% | 15.36% | 15.33% | -1,202 bps | |
| Total Risk-Based Capital | 43.33% | 35.03% | 32.97% | 31.99% | 33.97% | -936 bps | |
| Equity / Assets | 26.78% | 17.47% | 18.30% | 17.13% | 17.41% | -937 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.56% | 42.09% | 51.53% | 57.85% | 62.83% | -872 bps | |
| Liquid Assets / Assets | 16.88% | 0.10% | 0.10% | 22.17% | 37.18% | +2,030 bps | |
| CRE / Total Capital | n/a | 126.13% | 148.02% | 152.60% | n/a | n/a | |