Parker, CO · Cert 57031
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #59 of 68 inst. · $0.0B 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 | 0.18% | 0.30% | -0.38% | 0.12% | -0.70% | -0.82% | -1.19% | -3.13% | -325 bps | |
| Return on Equity | 0.51% | 0.80% | -1.07% | 0.34% | -2.02% | -2.29% | -3.18% | -8.07% | -841 bps | |
| Net Interest Margin | 3.95% | 3.86% | 3.39% | 3.37% | 3.51% | 3.33% | 3.36% | 3.50% | +13 bps | |
| Efficiency Ratio | 96.40% | 93.68% | 107.18% | 98.00% | 112.96% | 115.35% | 123.02% | 158.60% | +6,060 bps | |
| Non-Interest Burden | 3.71% | 3.45% | 3.77% | 3.25% | 4.20% | 4.14% | 4.54% | 6.61% | +336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.33% | -8.78% | 2.72% | 5.24% | 3.47% | 5.02% | -14.12% | -14.20% | -1,944 bps | |
| Loan Growth (YoY) | 26.13% | 11.95% | 5.66% | 5.27% | -0.65% | 7.00% | -1.53% | -7.28% | -1,255 bps | |
| Deposit Growth (YoY) | -14.58% | -13.49% | 3.23% | 7.46% | 5.40% | 6.99% | -21.03% | -20.51% | -2,797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.25% | 0.00% | 0.00% | 0.00% | 0.99% | 0.94% | 1.00% | 1.01% | +101 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.11% | -0.10% | 0.03% | 0.00% | 0.00% | 0.00% | +10 bps | |
| Allowance / Loans | 2.67% | 2.73% | 2.66% | 2.54% | 2.68% | 2.55% | 2.72% | 2.73% | +19 bps | |
| Allowance Coverage of NPLs | 0.6x | n/a | n/a | n/a | 2.7x | 2.7x | 2.7x | 2.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 37.14% | 39.31% | 36.86% | 35.22% | 34.85% | 36.17% | 37.76% | 39.33% | +412 bps | |
| Total Risk-Based Capital | 94.14% | 99.90% | 93.02% | 90.42% | 92.86% | 90.54% | 98.12% | 95.26% | +485 bps | |
| Equity / Assets | 37.00% | 37.30% | 34.07% | 34.11% | 35.60% | 35.83% | 39.24% | 38.46% | +435 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.51% | 51.82% | 45.46% | 48.17% | 48.55% | 51.82% | 56.69% | 56.18% | +801 bps | |
| Liquid Assets / Assets | 26.26% | 26.23% | 33.00% | 33.57% | 36.00% | 34.91% | 30.10% | 33.33% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.36% | 78.42% | 73.76% | n/a | n/a | |