Greenwood Village, CO · Cert 34040 · First American Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #37 of 68 inst. · $0.2B of $113.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.45% | 0.51% | 0.42% | 0.44% | +3 bps | |
| Return on Equity | 4.95% | 5.38% | 5.96% | 4.74% | 4.93% | -3 bps | |
| Net Interest Margin | 2.61% | 2.60% | 2.62% | 2.78% | 2.83% | +22 bps | |
| Efficiency Ratio | 79.29% | 79.55% | 77.63% | 81.74% | 80.88% | +159 bps | |
| Non-Interest Burden | 2.05% | 2.05% | 2.02% | 2.27% | 2.28% | +23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.67% | 2.02% | -1.86% | -4.83% | -5.29% | -696 bps | |
| Loan Growth (YoY) | 3.36% | -0.41% | -3.80% | -5.36% | -9.41% | -1,277 bps | |
| Deposit Growth (YoY) | 2.73% | 9.74% | 6.29% | -0.71% | 3.35% | +62 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.32% | 0.32% | 0.24% | -5 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.39% | 1.39% | 0.96% | 0.95% | 0.97% | -42 bps | |
| Allowance Coverage of NPLs | 4.6x | 4.6x | 3.0x | 2.9x | 4.0x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.92% | 8.98% | 9.02% | 9.37% | 9.67% | +75 bps | |
| Total Risk-Based Capital | 14.65% | 15.16% | 15.66% | 16.00% | 16.33% | +168 bps | |
| Equity / Assets | 8.45% | 8.47% | 8.86% | 8.95% | 9.03% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.25% | 98.65% | 99.40% | 99.24% | 94.00% | -1,324 bps | |
| Liquid Assets / Assets | 10.94% | 12.18% | 11.60% | 11.31% | 12.06% | +113 bps | |
| CRE / Total Capital | n/a | 455% | 427% | 415% | n/a | n/a | |