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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.51% | 1.73% | -0.94% | 1.21% | 1.05% | 1.52% | 0.42% | +136 bps | |
| Return on Equity | 14.64% | 15.44% | 17.67% | -9.59% | 11.71% | 9.79% | 13.37% | 3.50% | +1,309 bps | |
| Net Interest Margin | 3.17% | 3.89% | 4.30% | 4.03% | 3.35% | 3.48% | 3.59% | 3.35% | -68 bps | |
| Efficiency Ratio | 64.04% | 59.36% | 54.67% | 57.30% | 57.60% | 55.68% | 49.49% | 61.85% | +455 bps | |
| Non-Interest Burden | 1.48% | 1.92% | 2.11% | 2.08% | 1.68% | 1.66% | 1.17% | 1.82% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 297% | 441% | 260% | 110.66% | 81.24% | 24.12% | -0.27% | -11.02% | -12,168 bps | |
| Loan Growth (YoY) | 340% | 459% | 259% | 122.72% | 88.64% | 31.93% | 4.54% | -7.58% | -13,031 bps | |
| Deposit Growth (YoY) | 308% | 440% | 265% | 107.03% | 74.49% | 19.10% | -2.78% | -9.93% | -11,695 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.48% | 0.39% | 0.81% | 0.80% | 0.87% | 0.61% | 1.05% | +23 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.40% | 0.13% | 0.03% | 0.08% | 0.23% | 1.01% | 1.71% | +168 bps | |
| Allowance / Loans | 0.95% | 0.93% | 0.93% | 1.02% | 1.03% | 1.06% | 0.93% | 0.87% | -15 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.9x | 2.4x | 1.3x | 1.3x | 1.2x | 1.5x | 0.8x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.77% | 9.35% | 9.28% | 9.26% | 9.74% | 10.12% | 10.57% | 11.03% | +177 bps | |
| Total Risk-Based Capital | 11.99% | 12.66% | 12.73% | 12.85% | 13.22% | 13.67% | 14.32% | 14.92% | +207 bps | |
| Equity / Assets | 9.09% | 10.22% | 9.40% | 10.17% | 10.50% | 11.05% | 11.77% | 12.17% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.54% | 68.47% | 69.70% | 73.20% | 74.09% | 75.84% | 74.94% | 75.10% | +191 bps | |
| Liquid Assets / Assets | 4.05% | 4.00% | 4.23% | 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 | n/a | n/a | n/a |