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Bank19

Memphis, TX · Cert 3335

State charter, non-member · FDIC · 3 branches

Q2 2026

$147.8MAssets
$76.5MLoans
$121.8MDeposits
$25.7MEquity
Loan mix
97%RE $60.2M2%C&I $1.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
40%Interest-bearing $48.5M60%Noninterest $73.3MQ3 2024Q2 2026

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.5% share · #33 of 41 inst. · $0.1B of $10.7B

65.5% Hall
0.5% El Paso
0.0% Potter

Executive Summary

  • Earnings: ROA of 1.26%, up 12 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.33%, down 1,202 bps from a year ago.
  • Funding: loans stand at 62.83% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.36%-11 bps YoY

Efficiency Ratio (YTD, annualized)

59.70%-703 bps YoY

Tier 1 Leverage Ratio

15.33%-1,202 bps YoY

NIM

6.47%Q2 ’246.44%Q2 ’255.23%Q2 ’26+6%-2%

Non-interest income vs. expense

2.15%Q2 ’242.93%Q2 ’252.89%Q2 ’26+41%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.99%1.87%2.13%1.14%1.62%1.35%1.06%1.26%+12 bps
Return on Equity16.38%15.16%16.66%6.31%9.06%7.53%6.00%7.17%+85 bps
Net Interest Margin4.41%4.46%4.66%4.46%3.00%2.15%4.15%4.36%-11 bps
Efficiency Ratio46.60%48.40%46.21%66.73%53.18%42.88%62.50%59.70%-703 bps
Non-Interest Burden1.84%1.97%2.03%2.74%1.51%0.88%2.73%2.72%-2 bps
Growth
Asset Growth (YoY)-1.69%-8.88%0.32%18.84%108.97%99.62%101.91%72.33%+5,349 bps
Loan Growth (YoY)-0.92%-6.99%-6.48%-6.99%0.56%22.03%58.99%70.90%+7,789 bps
Deposit Growth (YoY)-2.88%-6.74%-0.71%8.15%104.18%90.87%94.31%94.63%+8,648 bps
Asset Quality
Nonperforming Loans / Loans2.03%2.06%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans1.32%1.34%1.41%1.38%1.02%0.85%0.69%0.63%-76 bps
Allowance Coverage of NPLs0.6x0.6xn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.99%13.23%12.91%27.36%15.92%15.44%15.36%15.33%-1,202 bps
Total Risk-Based Capital20.43%20.17%20.50%43.33%35.03%32.97%31.99%33.97%-936 bps
Equity / Assets13.62%13.08%12.47%26.78%17.47%18.30%17.13%17.41%-937 bps
Liquidity & Funding
Loans / Deposits85.47%80.59%70.70%71.56%42.09%51.53%57.85%62.83%-872 bps
Liquid Assets / Assets21.47%20.86%19.77%16.88%0.10%0.10%22.17%37.18%+2,030 bps
CRE / Total Capitaln/an/an/an/a126.13%148.02%152.60%n/an/a