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 (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 | 0.33% | -0.47% | 0.25% | 0.58% | 0.53% | 0.66% | 0.42% | 0.46% | -12 bps | |
| Return on Equity | 3.64% | -5.42% | 3.01% | 6.89% | 6.25% | 7.67% | 4.74% | 5.12% | -177 bps | |
| Net Interest Margin | 2.45% | 2.44% | 2.51% | 2.59% | 2.62% | 2.79% | 2.78% | 2.80% | +21 bps | |
| Efficiency Ratio | 86.37% | 79.76% | 83.49% | 75.16% | 80.07% | 72.27% | 81.74% | 80.01% | +485 bps | |
| Non-Interest Burden | 2.11% | 1.94% | 2.09% | 1.92% | 2.09% | 2.00% | 2.27% | 2.23% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | -0.48% | 2.30% | 1.67% | 2.02% | -1.86% | -4.83% | -5.29% | -696 bps | |
| Loan Growth (YoY) | 2.05% | -2.10% | 0.08% | 3.36% | -0.41% | -3.80% | -5.36% | -9.41% | -1,277 bps | |
| Deposit Growth (YoY) | -19.44% | -16.44% | -2.55% | 2.73% | 9.74% | 6.29% | -0.71% | 3.35% | +62 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.30% | 0.30% | 0.32% | 0.32% | 0.24% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.87% | 1.32% | 1.41% | 1.39% | 1.39% | 0.96% | 0.95% | 0.97% | -42 bps | |
| Allowance Coverage of NPLs | 1837.0x | 935.7x | 994.3x | 4.6x | 4.6x | 3.0x | 2.9x | 4.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 8.79% | 8.38% | 8.92% | 8.98% | 9.02% | 9.37% | 9.67% | +75 bps | |
| Total Risk-Based Capital | 14.24% | 14.48% | 14.55% | 14.65% | 15.16% | 15.66% | 16.00% | 16.33% | +168 bps | |
| Equity / Assets | 9.04% | 8.35% | 8.32% | 8.45% | 8.47% | 8.86% | 8.95% | 9.03% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.71% | 109.83% | 104.11% | 107.25% | 98.65% | 99.40% | 99.24% | 94.00% | -1,324 bps | |
| Liquid Assets / Assets | 11.30% | 11.17% | 12.79% | 10.94% | 12.18% | 11.60% | 11.31% | 12.06% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 455% | 427% | 415% | n/a | n/a | |