Colorado Springs, CO · Cert 91005 · Little London Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 2.3% share · #9 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 | 1.05% | 1.13% | 1.43% | 1.44% | 1.13% | 1.19% | 1.92% | 1.86% | +43 bps | |
| Return on Equity | 6.80% | 7.22% | 8.75% | 9.05% | 7.06% | 7.34% | 11.07% | 10.81% | +177 bps | |
| Net Interest Margin | 4.47% | 4.62% | 4.71% | 4.55% | 4.64% | 4.74% | 5.28% | 5.14% | +59 bps | |
| Efficiency Ratio | 68.46% | 66.37% | 56.38% | 55.07% | 55.53% | 57.55% | 50.27% | 52.02% | -305 bps | |
| Non-Interest Burden | 3.08% | 3.08% | 2.65% | 2.50% | 2.58% | 2.66% | 2.60% | 2.62% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 1.40% | -0.49% | 10.52% | 8.69% | 1.88% | 4.29% | -8.82% | -1,934 bps | |
| Loan Growth (YoY) | 0.29% | -0.93% | 3.61% | 5.99% | -0.34% | 0.56% | -4.19% | -9.23% | -1,522 bps | |
| Deposit Growth (YoY) | -1.23% | 0.43% | -2.19% | 10.68% | 8.71% | 0.55% | 3.11% | -10.97% | -2,166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.49% | 0.33% | 0.76% | 0.60% | 1.01% | 0.62% | 0.16% | -59 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.25% | 1.21% | 1.20% | 1.20% | 1.21% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 38.9x | 2.6x | 3.8x | 1.6x | 2.0x | 1.2x | 1.9x | 7.3x | +5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.08% | 16.67% | 16.91% | 15.86% | 16.01% | 16.48% | 18.55% | 17.24% | +139 bps | |
| Total Risk-Based Capital | 16.08% | 16.67% | 16.91% | 15.86% | 16.01% | 16.48% | 18.55% | 17.24% | +139 bps | |
| Equity / Assets | 16.34% | 16.20% | 16.45% | 15.08% | 16.40% | 17.38% | 17.32% | 17.02% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.92% | 100.92% | 104.88% | 95.37% | 97.10% | 100.93% | 97.46% | 97.24% | +187 bps | |
| Liquid Assets / Assets | 2.33% | 5.61% | 3.30% | 10.94% | 10.66% | 10.19% | 12.17% | 12.11% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 317% | 307% | 301% | n/a | n/a | |