Redstone Bank
Centennial, CO · Cert 58826 · Peer group: banks under $1B in assets (n=570-617) · Midwest Banc Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (14 in holding)
Q2 2026
$298.2MAssets
$173.7MLoans
$262.7MDeposits
$34.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
- Widest gap: return on equity trails 79% of banks under $1B in assets (rank 488 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.53%
Rank 487 of 617
Net Interest Margin
3.52%
Rank 318 of 617
Efficiency Ratio
79.08%
Rank 463 of 617
Equity / Assets
11.59%
Rank 243 of 617
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 25% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.60% | 1.01% | 1.45% | Beats 21% | 487 / 617 | | |
| Return on Equity | 4.58% | 5.30% | 9.43% | 13.30% | Beats 21% | 488 / 617 | | |
| Net Interest Margin | 3.52% | 3.04% | 3.54% | 4.05% | Beats 48% | 318 / 617 | | |
| Efficiency Ratio | 79.08% | 58.03% | 67.76% | 79.08% | Beats 25% | 463 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 11.98% | 11.18% | 13.83% | 18.55% | Beats 34% | 410 / 617 | | |
| Total Risk-Based Capital Ratio | 11.98% | 11.56% | 14.39% | 19.39% | Beats 29% | 439 / 617 | | |
| Equity / Assets | 11.59% | 9.03% | 10.55% | 13.63% | Beats 61% | 243 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.13% | 64.77% | 79.70% | 93.06% | 27th pctl | 424 / 582 | | |
| Loans / Assets | 58.27% | 51.70% | 67.18% | 77.51% | 34th pctl | 406 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |