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 | |