Broomfield, CO · Cert 58458
FDIC · 123 branches
Q4 2024
Market Position · Denver-Aurora-Centennial, CO · 2024 SOD (annual) · 2.5% share · #9 of 68 inst. · $2.8B of $110.6B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.21% | 1.13% | 1.26% | 1.06% | +32 bps | |
| Return on Equity | 7.75% | 11.71% | 10.72% | 11.63% | 9.58% | +183 bps | |
| Net Interest Margin | 3.15% | 3.35% | 3.43% | 3.57% | 3.60% | +45 bps | |
| Efficiency Ratio | 58.14% | 57.60% | 56.62% | 54.02% | 55.78% | -236 bps | |
| Non-Interest Burden | 1.57% | 1.68% | 1.68% | 1.55% | 1.65% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 110.66% | 81.24% | 24.12% | -0.27% | -11.02% | -12,168 bps | |
| Loan Growth (YoY) | 122.72% | 88.64% | 31.93% | 4.54% | -7.58% | -13,031 bps | |
| Deposit Growth (YoY) | 107.03% | 74.49% | 19.10% | -2.78% | -9.93% | -11,695 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.81% | 0.80% | 0.87% | 0.61% | 1.05% | +23 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.15% | 0.44% | 0.77% | +67 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.06% | 0.93% | 0.87% | -15 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.2x | 1.5x | 0.8x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.26% | 9.74% | 10.12% | 10.57% | 11.03% | +177 bps | |
| Total Risk-Based Capital | 12.85% | 13.22% | 13.67% | 14.32% | 14.92% | +207 bps | |
| Equity / Assets | 10.17% | 10.50% | 11.05% | 11.77% | 12.17% | +200 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.20% | 74.09% | 75.84% | 74.94% | 75.10% | +191 bps | |
| Liquid Assets / Assets | 4.59% | 5.66% | 5.29% | 6.59% | 6.07% | +148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |