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
Unfavorable gap of $4.9M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |