Boulder, CO · Cert 57280 · FBHC Holding Co.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Boulder, CO · 2026 SOD (annual) · 2.9% share · #10 of 32 inst. · $0.3B of $11.6B
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 | 0.65% | 0.72% | 0.87% | 0.73% | 0.88% | 0.94% | 1.18% | 1.18% | +45 bps | |
| Return on Equity | 9.57% | 10.52% | 12.88% | 11.19% | 12.98% | 13.61% | 15.23% | 15.25% | +406 bps | |
| Net Interest Margin | 2.85% | 2.91% | 3.35% | 3.54% | 3.58% | 3.61% | 3.65% | 3.77% | +23 bps | |
| Efficiency Ratio | 70.71% | 69.42% | 67.36% | 66.05% | 66.86% | 68.21% | 69.31% | 68.59% | +254 bps | |
| Non-Interest Burden | 1.95% | 1.95% | 2.11% | 2.23% | 2.25% | 2.29% | 2.09% | 2.18% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 6.52% | 7.89% | 12.14% | 6.91% | 5.80% | 3.77% | -4.26% | -1,641 bps | |
| Loan Growth (YoY) | 7.49% | 3.33% | 1.25% | -6.37% | -6.58% | -5.76% | 0.02% | 8.61% | +1,497 bps | |
| Deposit Growth (YoY) | 12.34% | 18.85% | 16.76% | 21.97% | 15.06% | 4.67% | 2.45% | -6.28% | -2,825 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.83% | 1.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.02% | 0.00% | 0.73% | 0.50% | 0.38% | -0.01% | -0.01% | -74 bps | |
| Allowance / Loans | 1.17% | 1.27% | 1.37% | 1.24% | 1.23% | 1.23% | 1.19% | 1.14% | -10 bps | |
| Allowance Coverage of NPLs | 3.0x | 1.5x | 1.1x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.45% | 8.24% | 8.28% | 8.43% | 8.63% | 8.80% | 9.04% | 8.88% | +45 bps | |
| Total Risk-Based Capital | 12.30% | 12.26% | 12.78% | 13.05% | 14.14% | 14.50% | 14.35% | 14.12% | +108 bps | |
| Equity / Assets | 7.25% | 6.70% | 6.81% | 6.18% | 7.40% | 7.64% | 7.88% | 7.77% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.61% | 83.34% | 80.84% | 71.56% | 76.81% | 75.03% | 78.92% | 82.92% | +1,136 bps | |
| Liquid Assets / Assets | 1.37% | 6.22% | 8.97% | 9.67% | 14.13% | 15.23% | 11.05% | 7.46% | -221 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 322% | 323% | n/a | n/a | |