Colorado Springs, CO · Cert 8321 · First Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
56
Profitability
78
Liquidity
23
Efficiency
83
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.
Colorado Springs, CO · Cert 8321 · First Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.7% share · #14 of 41 inst. · $0.2B of $10.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.34% | 1.35% | 1.40% | 1.44% | 1.46% | 1.55% | 1.48% | +8 bps | |
| Return on Equity | 12.68% | 12.72% | 12.04% | 12.42% | 12.79% | 12.94% | 13.40% | 13.16% | +73 bps | |
| Net Interest Margin | 4.13% | 4.11% | 4.26% | 4.30% | 4.26% | 4.30% | 4.62% | 4.59% | +29 bps | |
| Efficiency Ratio | 55.99% | 56.07% | 56.33% | 57.53% | 56.21% | 55.52% | 53.06% | 54.01% | -352 bps | |
| Non-Interest Burden | 2.20% | 2.19% | 2.30% | 2.36% | 2.28% | 2.27% | 2.35% | 2.35% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -0.37% | -1.26% | 5.75% | 10.75% | 5.04% | 10.93% | 18.97% | +1,322 bps | |
| Loan Growth (YoY) | 3.61% | 1.40% | 4.75% | 3.73% | 10.20% | 18.32% | 14.96% | 22.96% | +1,924 bps | |
| Deposit Growth (YoY) | 1.64% | 0.56% | -2.76% | 3.51% | 9.12% | 2.68% | 9.25% | 20.24% | +1,673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.44% | 0.32% | 0.32% | 0.31% | 0.28% | 0.51% | 0.18% | -14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.01% | 0.00% | 0.00% | -0.02% | 0.06% | 0.00% | 0 bps | |
| Allowance / Loans | 1.60% | 1.60% | 1.64% | 1.60% | 1.58% | 1.56% | 1.58% | 1.56% | -4 bps | |
| Allowance Coverage of NPLs | 6.2x | 3.6x | 5.1x | 5.0x | 5.1x | 5.6x | 3.1x | 8.7x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 10.97% | 11.35% | 11.26% | 11.25% | 11.34% | 11.59% | 10.63% | -64 bps | |
| Total Risk-Based Capital | 13.96% | 14.18% | 14.49% | 14.31% | 14.18% | 14.25% | 14.55% | 12.27% | -204 bps | |
| Equity / Assets | 11.11% | 10.98% | 11.47% | 11.33% | 11.17% | 11.65% | 11.51% | 10.60% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.69% | 90.66% | 94.23% | 95.91% | 95.63% | 104.47% | 99.16% | 98.08% | +218 bps | |
| Liquid Assets / Assets | 8.96% | 12.29% | 9.97% | 9.72% | 10.46% | 3.29% | 8.22% | 8.27% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 205% | 197.54% | 197.37% | n/a | n/a | |
Colorado Springs, CO · Cert 8321 · Peer group: banks under $1B in assets (n=581-629) · First Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Return on Assets
1.37%
Rank 177 of 629
Net Interest Margin
4.59%
Rank 56 of 629
Efficiency Ratio
54.01%
Rank 110 of 629
Equity / Assets
10.60%
Rank 322 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.60% | 1.01% | 1.45% | Beats 72% | 177 / 629 | ||
| Return on Equity | 12.91% | 5.38% | 9.30% | 13.28% | Beats 72% | 173 / 629 | ||
| Net Interest Margin | 4.59% | 3.03% | 3.54% | 4.05% | Beats 91% | 56 / 629 | ||
| Efficiency Ratio | 54.01% | 58.35% | 67.79% | 79.08% | Beats 83% | 110 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 66% | 197 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 314 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 11.24% | 13.84% | 18.77% | Beats 23% | 485 / 629 | ||
| Total Risk-Based Capital Ratio | 12.27% | 11.58% | 14.43% | 19.66% | Beats 31% | 433 / 629 | ||
| Equity / Assets | 10.60% | 9.09% | 10.65% | 13.80% | Beats 49% | 322 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.08% | 67.24% | 80.90% | 93.48% | 82nd pctl | 104 / 594 | ||
| Loans / Assets | 85.52% | 53.31% | 67.71% | 78.15% | 93rd pctl | 42 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||