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Flatirons Bank

Boulder, CO · Cert 57280 · FBHC Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Flatirons Bank

Boulder, CO · Cert 57280 · FBHC Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

$370.3MAssets
$278.7MLoans
$336.1MDeposits
$28.8MEquity
Loan mix
91%RE $232.1M9%C&I $23.2M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $285.7M15%Noninterest $50.4MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.40%Q2 ’255.36%Q2 ’26+30%+7%

Non-interest income vs. expense

2.14%Q2 ’242.55%Q2 ’253.49%Q2 ’26+15%-2%

Market Position · Boulder, CO · 2026 SOD (annual) · 2.9% share · #10 of 32 inst. · $0.3B of $11.6B

Executive Summary

  • Earnings: ROA of 1.18%, up 45 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 8.88%, up 45 bps from a year ago.
  • Funding: loans stand at 82.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+23 bps YoY

Efficiency Ratio (YTD, annualized)

68.59%+254 bps YoY

Tier 1 Leverage Ratio

8.88%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.88%0.94%1.18%1.18%+45 bps
Return on Equity11.19%12.98%13.61%15.23%15.25%+406 bps
Net Interest Margin3.54%3.58%3.61%3.65%3.77%+23 bps
Efficiency Ratio66.05%66.86%68.21%69.31%68.59%+254 bps
Non-Interest Burden2.23%2.25%2.29%2.09%2.18%-6 bps
Growth
Asset Growth (YoY)12.14%6.91%5.80%3.77%-4.26%-1,641 bps
Loan Growth (YoY)-6.37%-6.58%-5.76%0.02%8.61%+1,497 bps
Deposit Growth (YoY)21.97%15.06%4.67%2.45%-6.28%-2,825 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.73%0.50%0.38%-0.01%-0.01%-74 bps
Allowance / Loans1.24%1.23%1.23%1.19%1.14%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.43%8.63%8.80%9.04%8.88%+45 bps
Total Risk-Based Capital13.05%14.14%14.50%14.35%14.12%+108 bps
Equity / Assets6.18%7.40%7.64%7.88%7.77%+159 bps
Liquidity & Funding
Loans / Deposits71.56%76.81%75.03%78.92%82.92%+1,136 bps
Liquid Assets / Assets9.67%14.13%15.23%11.05%7.46%-221 bps
CRE / Total Capitaln/a334%322%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Flatirons Bank

Boulder, CO · Cert 57280 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FBHC Holding Co.

State charter, Fed member · FED · 2 branches

Q2 2026

$370.3MAssets
$278.7MLoans
$336.1MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets operating in a single state (rank 661 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.16%

Rank 317 of 746

Net Interest Margin

3.77%

Rank 340 of 746

Efficiency Ratio

68.59%

Rank 443 of 746

Equity / Assets

7.77%

Rank 661 of 746

Non-interest income vs. expense

$4.9M$13.0MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.72%1.06%1.45%Beats 58%317 / 746
Return on Equity14.93%6.74%10.51%13.63%Beats 83%130 / 746
Net Interest Margin3.77%3.17%3.68%4.16%Beats 54%340 / 746
Efficiency Ratio68.59%55.74%64.58%75.47%Beats 41%443 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio12.87%11.55%13.75%17.60%Beats 40%448 / 746
Total Risk-Based Capital Ratio14.12%11.71%14.33%18.43%Beats 47%392 / 746
Equity / Assets7.77%8.90%10.51%13.06%Beats 11%661 / 746
Liquidity & Funding
Loans / Deposits82.92%61.31%78.27%90.78%60th pctl299 / 746
Loans / Assets75.26%53.60%66.97%76.08%72nd pctl209 / 746
Brokered Deposits / Depositsn/aNot reported for this institution