Stockmens Bank
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
$650.8MAssets
$556.6MLoans
$567.4MDeposits
$69.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 56 of 629).
- Widest gap: tier 1 capital ratio trails 77% of banks under $1B in assets (rank 485 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.0M · efficiency ratio beats 83% 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 | 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 |