Steamboat Springs, CO · Cert 35407 · Routt County Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.47% | 1.67% | 1.48% | 1.88% | 1.76% | 1.94% | 1.55% | 1.99% | +11 bps | |
| Return on Equity | 19.19% | 21.30% | 18.72% | 23.46% | 21.65% | 23.20% | 18.84% | 24.19% | +73 bps | |
| Net Interest Margin | 3.97% | 4.11% | 4.08% | 4.24% | 4.44% | 4.41% | 4.29% | 4.43% | +18 bps | |
| Efficiency Ratio | 50.96% | 49.73% | 53.67% | 48.15% | 45.70% | 47.93% | 50.54% | 48.17% | +2 bps | |
| Non-Interest Burden | 1.81% | 1.84% | 2.05% | 1.86% | 1.80% | 1.94% | 2.02% | 1.97% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 2.43% | 1.72% | 7.29% | 7.99% | 8.35% | 10.21% | 4.90% | -239 bps | |
| Loan Growth (YoY) | 9.63% | 9.26% | 7.86% | 14.23% | 14.18% | 11.56% | 8.83% | 4.29% | -994 bps | |
| Deposit Growth (YoY) | 0.07% | 3.01% | 0.62% | 4.80% | 7.73% | 8.48% | 9.65% | 6.09% | +129 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.02% | 0.09% | 0.08% | 0.09% | 0.08% | 0.09% | 0.09% | +1 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | -0.01% | 0.14% | 0.03% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.45% | 1.47% | 1.52% | 1.40% | 1.44% | 1.45% | 1.49% | 1.41% | +1 bps | |
| Allowance Coverage of NPLs | 41.0x | 60.6x | 17.1x | 16.9x | 16.2x | 18.3x | 16.5x | 16.0x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.17% | 9.29% | 9.46% | 9.32% | 9.37% | 9.09% | 9.39% | -7 bps | |
| Total Risk-Based Capital | 9.06% | 9.17% | 9.29% | 9.46% | 9.32% | 9.37% | 9.09% | 9.39% | -7 bps | |
| Equity / Assets | 7.95% | 7.74% | 8.07% | 7.96% | 8.30% | 8.44% | 8.02% | 8.46% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.40% | 82.12% | 83.77% | 89.02% | 86.27% | 84.45% | 83.15% | 87.51% | -151 bps | |
| Liquid Assets / Assets | 0.10% | 0.22% | 0.31% | 0.23% | 1.26% | 2.46% | 2.97% | 0.14% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 445% | 437% | 441% | n/a | n/a | |