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 | |