Grand Junction, CO · Cert 90040
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Grand Junction, CO · 2026 SOD (annual) · 3.5% share · #9 of 12 inst. · $0.1B of $3.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 1.03% | 0.70% | 0.75% | 0.93% | +47 bps | |
| Return on Equity | 7.37% | 15.54% | 10.59% | 10.99% | 13.68% | +631 bps | |
| Net Interest Margin | 2.86% | 3.03% | 2.94% | 2.86% | 3.07% | +22 bps | |
| Efficiency Ratio | 82.50% | 75.00% | 82.57% | 70.15% | 65.59% | -1,691 bps | |
| Non-Interest Burden | 2.32% | 2.23% | 2.45% | 1.96% | 1.95% | -37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.10% | 3.20% | 16.16% | 19.48% | 16.69% | +1,060 bps | |
| Loan Growth (YoY) | 0.46% | -0.62% | 4.13% | 8.93% | 5.22% | +476 bps | |
| Deposit Growth (YoY) | 6.09% | 2.42% | 15.45% | 19.35% | 16.13% | +1,004 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.85% | 1.54% | 1.40% | 1.24% | 0.00% | -485 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.89% | 1.10% | 1.06% | 1.07% | 1.05% | -84 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.7x | 0.8x | 0.9x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.74% | 8.71% | 8.35% | 7.89% | 7.95% | -79 bps | |
| Total Risk-Based Capital | 16.93% | 17.43% | 17.30% | 17.29% | 18.23% | +130 bps | |
| Equity / Assets | 6.36% | 7.43% | 6.72% | 6.92% | 6.86% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.64% | 44.92% | 40.84% | 41.19% | 41.35% | -429 bps | |
| Liquid Assets / Assets | 7.27% | 9.19% | 18.57% | 16.32% | 16.96% | +969 bps | |
| CRE / Total Capital | n/a | 187.31% | 198.17% | 209% | n/a | n/a | |