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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | -0.17% | 0.46% | 0.47% | 2.12% | -0.16% | 0.75% | 1.13% | +65 bps | |
| Return on Equity | 21.69% | -2.67% | 7.37% | 7.26% | 30.70% | -2.33% | 10.99% | 16.33% | +906 bps | |
| Net Interest Margin | 3.16% | 2.46% | 2.68% | 2.94% | 3.70% | 3.01% | 2.86% | 3.36% | +42 bps | |
| Efficiency Ratio | 73.93% | 90.26% | 82.31% | 82.68% | 63.75% | 116.29% | 70.15% | 61.85% | -2,083 bps | |
| Non-Interest Burden | 2.29% | 2.21% | 2.17% | 2.39% | 2.31% | 3.35% | 1.96% | 2.00% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | 2.40% | 2.08% | 6.10% | 3.20% | 16.16% | 19.48% | 16.69% | +1,060 bps | |
| Loan Growth (YoY) | 4.69% | 4.29% | -2.29% | 0.46% | -0.62% | 4.13% | 8.93% | 5.22% | +476 bps | |
| Deposit Growth (YoY) | -0.05% | 3.00% | 2.07% | 6.09% | 2.42% | 15.45% | 19.35% | 16.13% | +1,004 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 4.86% | 5.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.86% | 1.89% | 2.00% | 1.89% | 1.10% | 1.06% | 1.07% | 1.05% | -84 bps | |
| Allowance Coverage of NPLs | n/a | 0.4x | 0.4x | 0.4x | 0.7x | 0.8x | 0.9x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 8.29% | 8.34% | 8.74% | 8.71% | 8.35% | 7.89% | 7.95% | -79 bps | |
| Total Risk-Based Capital | 16.73% | 16.58% | 17.22% | 16.93% | 17.43% | 17.30% | 17.29% | 18.23% | +130 bps | |
| Equity / Assets | 6.85% | 5.91% | 6.71% | 6.36% | 7.43% | 6.72% | 6.92% | 6.86% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.30% | 45.28% | 45.12% | 45.64% | 44.92% | 40.84% | 41.19% | 41.35% | -429 bps | |
| Liquid Assets / Assets | 10.85% | 10.09% | 6.19% | 7.27% | 9.19% | 18.57% | 16.32% | 16.96% | +969 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.31% | 198.17% | 209% | n/a | n/a | |