Denver, CO · Cert 34401 · Fortis Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
64
Profitability
18
Liquidity
58
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Denver, CO · Cert 34401 · Fortis Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.9% share · #16 of 68 inst. · $1.0B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.06% | 0.43% | 0.54% | 0.53% | 0.60% | 0.76% | 0.71% | +18 bps | |
| Return on Equity | -2.21% | -0.81% | 5.48% | 6.65% | 6.56% | 7.44% | 9.14% | 8.43% | +177 bps | |
| Net Interest Margin | 2.13% | 2.31% | 3.01% | 3.09% | 3.14% | 3.16% | 3.40% | 3.25% | +15 bps | |
| Efficiency Ratio | 105.59% | 99.55% | 82.97% | 80.89% | 79.97% | 77.17% | 74.18% | 75.91% | -498 bps | |
| Non-Interest Burden | 2.26% | 2.30% | 2.45% | 2.44% | 2.44% | 2.36% | 2.42% | 2.37% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.68% | 0.32% | -1.86% | 2.05% | 0.20% | 4.87% | 2.72% | 6.57% | +452 bps | |
| Loan Growth (YoY) | 0.82% | 2.45% | 9.76% | 5.57% | 4.37% | 4.82% | 0.89% | 3.57% | -200 bps | |
| Deposit Growth (YoY) | 9.71% | 16.46% | 7.27% | 13.77% | -0.10% | -7.25% | -10.08% | -3.35% | -1,712 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.41% | 0.35% | 0.58% | 0.32% | 0.29% | 0.40% | 0.49% | -9 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.02% | 0.03% | 0.02% | 0.03% | 0.00% | 0.03% | 0 bps | |
| Allowance / Loans | 0.90% | 0.92% | 0.91% | 0.92% | 0.94% | 0.94% | 0.94% | 0.93% | +1 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.3x | 2.6x | 1.6x | 2.9x | 3.3x | 2.4x | 1.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.42% | 8.51% | 8.54% | 8.56% | 8.58% | 8.63% | 8.70% | 8.96% | +40 bps | |
| Total Risk-Based Capital | 12.89% | 12.62% | 12.37% | 12.96% | 12.53% | 12.60% | 12.80% | 13.13% | +17 bps | |
| Equity / Assets | 7.61% | 7.82% | 7.94% | 8.40% | 8.14% | 8.23% | 8.48% | 8.61% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.46% | 88.28% | 88.84% | 88.89% | 90.33% | 99.77% | 99.68% | 95.26% | +636 bps | |
| Liquid Assets / Assets | 14.96% | 11.74% | 10.97% | 10.96% | 10.93% | 10.59% | 10.21% | 11.74% | +78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 498% | 503% | 497% | n/a | n/a | |
Denver, CO · Cert 34401 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fortis Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.71%
Rank 152 of 176
Net Interest Margin
3.25%
Rank 133 of 176
Efficiency Ratio
75.91%
Rank 159 of 176
Equity / Assets
8.61%
Rank 146 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.93% | 1.26% | 1.54% | Beats 14% | 152 / 176 | ||
| Return on Equity | 8.28% | 9.26% | 11.89% | 14.46% | Beats 17% | 146 / 176 | ||
| Net Interest Margin | 3.25% | 3.25% | 3.59% | 3.93% | Beats 24% | 133 / 176 | ||
| Efficiency Ratio | 75.91% | 52.79% | 59.55% | 67.66% | Beats 10% | 159 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.30% | 0.64% | 1.32% | Beats 61% | 70 / 176 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 66% | 60 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.04% | 11.15% | 12.72% | 14.15% | Beats 41% | 103 / 176 | ||
| Total Risk-Based Capital Ratio | 13.13% | 11.81% | 13.63% | 15.33% | Beats 43% | 101 / 176 | ||
| Equity / Assets | 8.61% | 9.16% | 10.35% | 11.80% | Beats 17% | 146 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.26% | 80.94% | 89.73% | 97.21% | 70th pctl | 52 / 176 | ||
| Loans / Assets | 78.33% | 69.25% | 75.12% | 80.82% | 65th pctl | 62 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||