Westminster, CO · Cert 58772
FDIC · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
61
Asset Quality
63
Profitability
46
Liquidity
0
Efficiency
40
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.
Westminster, CO · Cert 58772
FDIC · 1 branch
Q3 2024
Market Position · Denver-Aurora-Centennial, CO · 2024 SOD (annual) · 0.1% share · #44 of 68 inst. · $0.1B 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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.22% | 1.03% | 1.05% | 1.06% | 0.57% | 0.71% | 0.62% | -44 bps | |
| Return on Equity | 12.22% | 11.12% | 9.38% | 9.64% | 9.58% | 4.98% | 6.06% | 5.25% | -440 bps | |
| Net Interest Margin | 4.19% | 4.12% | 3.99% | 3.83% | 3.83% | 3.44% | 3.68% | 3.66% | -17 bps | |
| Efficiency Ratio | 64.53% | 65.45% | 68.94% | 68.67% | 68.96% | 77.68% | 74.59% | 74.79% | +612 bps | |
| Non-Interest Burden | 2.56% | 2.52% | 2.64% | 2.50% | 2.54% | 2.66% | 2.73% | 2.72% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.56% | 3.43% | 7.90% | 13.40% | 2.84% | 8.28% | -3.10% | -5.81% | -1,921 bps | |
| Loan Growth (YoY) | 10.60% | 5.05% | 7.16% | 7.53% | 3.09% | 4.50% | -0.70% | -1.22% | -875 bps | |
| Deposit Growth (YoY) | -3.21% | 1.82% | -1.88% | 4.68% | 3.83% | 6.58% | 1.07% | -1.72% | -640 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.26% | 0.24% | 0.23% | 0.22% | 0.22% | 0.23% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.02% | -0.01% | -0.01% | 0.02% | 0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 1.42% | 1.47% | 1.42% | 1.40% | 1.39% | 1.41% | 1.43% | 1.41% | +2 bps | |
| Allowance Coverage of NPLs | 4.9x | 5.1x | 5.5x | 5.8x | 6.0x | 6.3x | 6.5x | 6.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.45% | 11.48% | 11.29% | 11.63% | 11.60% | 12.08% | 12.15% | +86 bps | |
| Total Risk-Based Capital | 13.42% | 14.10% | 13.96% | 14.08% | 14.41% | 15.24% | 15.19% | 15.55% | +147 bps | |
| Equity / Assets | 10.81% | 11.22% | 10.96% | 10.76% | 11.48% | 11.28% | 12.28% | 12.20% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.71% | 105.56% | 112.39% | 109.77% | 115.87% | 103.50% | 110.43% | 110.32% | +55 bps | |
| Liquid Assets / Assets | 9.02% | 9.57% | 9.90% | 13.08% | 9.81% | 12.00% | 8.30% | 9.26% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Westminster, CO · Cert 58772 · Peer group: banks under $1B in assets operating in a single state (n=831-839)
FDIC · 1 branch
Q3 2024
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.43% | 0.82% | 1.23% | Beats 37% | 528 / 839 | ||
| Return on Equity | 5.15% | 4.40% | 8.26% | 11.89% | Beats 29% | 592 / 838 | ||
| Net Interest Margin | 3.66% | 2.65% | 3.21% | 3.75% | Beats 71% | 243 / 839 | ||
| Efficiency Ratio | 74.79% | 59.79% | 70.74% | 82.35% | Beats 40% | 508 / 839 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.06% | 0.34% | 0.94% | Beats 59% | 344 / 831 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 67% | 279 / 831 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.30% | 11.54% | 13.98% | 17.81% | Beats 53% | 394 / 839 | ||
| Total Risk-Based Capital Ratio | 15.55% | 11.86% | 14.62% | 18.85% | Beats 57% | 359 / 839 | ||
| Equity / Assets | 12.20% | 8.28% | 9.86% | 12.27% | Beats 74% | 214 / 839 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.32% | 60.71% | 77.12% | 90.27% | 95th pctl | 40 / 839 | ||
| Loans / Assets | 88.26% | 52.08% | 65.62% | 75.95% | 98th pctl | 20 / 831 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||