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Mountain View Bank of Commerce

Westminster, CO · Cert 58772

FDIC · 1 branch

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=831 to 839). 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

61

Q2 2024Q3 2024peer median (50)

Asset Quality

63

Q2 2024Q3 2024peer median (50)

Profitability

46

Q2 2024Q3 2024peer median (50)

Liquidity

0

Q2 2024Q3 2024peer median

Efficiency

40

Q2 2024Q3 2024peer 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

Mountain View Bank of Commerce

Westminster, CO · Cert 58772

FDIC · 1 branch

Q3 2024

$179.4MAssets
$158.3MLoans
$143.5MDeposits
$21.9MEquity
Loan mix
90%RE $95.0M10%C&I $10.5M0%Consumer $0.0MQ3 2023Q3 2024
Deposit mix
73%Interest-bearing $104.3M27%Noninterest $39.1MQ3 2023Q3 2024

NIM

4.52%Q3 ’225.58%Q3 ’236.28%Q3 ’24-6%-4%

Non-interest income vs. expense

2.90%Q3 ’222.91%Q3 ’232.79%Q3 ’24+3%+9%

Market Position · Denver-Aurora-Centennial, CO · 2024 SOD (annual) · 0.1% share · #44 of 68 inst. · $0.1B of $110.6B

Executive Summary

  • Earnings: ROA of 0.62%, down 44 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.23% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.15%, up 86 bps from a year ago.
  • Funding: loans stand at 110.32% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

0.62%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-17 bps YoY

Efficiency Ratio (YTD, annualized)

74.79%+612 bps YoY

Tier 1 Leverage Ratio

12.15%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.05%1.06%0.57%0.71%0.62%-44 bps
Return on Equity9.64%9.58%4.98%6.06%5.25%-440 bps
Net Interest Margin3.83%3.83%3.44%3.68%3.66%-17 bps
Efficiency Ratio68.67%68.96%77.68%74.59%74.79%+612 bps
Non-Interest Burden2.50%2.54%2.66%2.73%2.72%+22 bps
Growth
Asset Growth (YoY)13.40%2.84%8.28%-3.10%-5.81%-1,921 bps
Loan Growth (YoY)7.53%3.09%4.50%-0.70%-1.22%-875 bps
Deposit Growth (YoY)4.68%3.83%6.58%1.07%-1.72%-640 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.23%0.22%0.22%0.23%-2 bps
Net Charge-Offs / Loans-0.01%-0.01%0.02%0.01%0.01%+2 bps
Allowance / Loans1.40%1.39%1.41%1.43%1.41%+2 bps
Allowance Coverage of NPLs5.8x6.0x6.3x6.5x6.3x+0.5x
Capital
Tier 1 Leverage Ratio11.29%11.63%11.60%12.08%12.15%+86 bps
Total Risk-Based Capital14.08%14.41%15.24%15.19%15.55%+147 bps
Equity / Assets10.76%11.48%11.28%12.28%12.20%+144 bps
Liquidity & Funding
Loans / Deposits109.77%115.87%103.50%110.43%110.32%+55 bps
Liquid Assets / Assets13.08%9.81%12.00%8.30%9.26%-382 bps
CRE / Total Capitaln/an/an/an/an/an/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

Mountain View Bank of Commerce

Westminster, CO · Cert 58772 · Peer group: banks under $1B in assets operating in a single state (n=831-839)

FDIC · 1 branch

Q3 2024

$179.4MAssets
$158.3MLoans
$143.5MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 74% of banks under $1B in assets operating in a single state (rank 214 of 839).
  • Widest gap: return on equity trails 71% of banks under $1B in assets operating in a single state (rank 592 of 838).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.63%

Rank 528 of 839

Net Interest Margin

3.66%

Rank 243 of 839

Efficiency Ratio

74.79%

Rank 508 of 839

Equity / Assets

12.20%

Rank 214 of 839

Non-interest income vs. expense

$0.1M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state
Bank 74.79%Peer median 70.7%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.43%0.82%1.23%Beats 37%528 / 839
Return on Equity5.15%4.40%8.26%11.89%Beats 29%592 / 838
Net Interest Margin3.66%2.65%3.21%3.75%Beats 71%243 / 839
Efficiency Ratio74.79%59.79%70.74%82.35%Beats 40%508 / 839
Asset Quality
Nonperforming Loans / Loans0.23%0.06%0.34%0.94%Beats 59%344 / 831
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 67%279 / 831
Capital
Tier 1 Capital Ratio14.30%11.54%13.98%17.81%Beats 53%394 / 839
Total Risk-Based Capital Ratio15.55%11.86%14.62%18.85%Beats 57%359 / 839
Equity / Assets12.20%8.28%9.86%12.27%Beats 74%214 / 839
Liquidity & Funding
Loans / Deposits110.32%60.71%77.12%90.27%95th pctl40 / 839
Loans / Assets88.26%52.08%65.62%75.95%98th pctl20 / 831
Brokered Deposits / Depositsn/aNot reported for this institution