Downs, KS · Cert 9659 · B Bank Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #52 of 68 inst. · $0.1B of $113.6B
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 | 1.63% | 1.44% | 1.41% | 1.60% | 1.42% | 1.30% | 1.21% | 0.65% | -95 bps | |
| Return on Equity | 12.17% | 10.77% | 10.89% | 12.16% | 10.70% | 9.73% | 9.12% | 4.92% | -724 bps | |
| Net Interest Margin | 3.78% | 3.52% | 3.27% | 3.59% | 3.63% | 3.52% | 3.25% | 3.22% | -38 bps | |
| Efficiency Ratio | 48.56% | 53.71% | 56.45% | 49.25% | 51.59% | 55.36% | 54.93% | 73.30% | +2,406 bps | |
| Non-Interest Burden | 1.79% | 1.84% | 1.82% | 1.74% | 1.84% | 1.92% | 1.76% | 2.34% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 7.66% | 6.69% | 9.40% | 4.91% | 1.82% | 5.52% | 4.23% | -517 bps | |
| Loan Growth (YoY) | -7.97% | -9.21% | -5.69% | 0.80% | -2.90% | -4.65% | -9.54% | -10.61% | -1,140 bps | |
| Deposit Growth (YoY) | 3.19% | 7.63% | 6.77% | 10.53% | 5.27% | 1.64% | 6.02% | 4.98% | -555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 2.06% | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | -0.03% | -0.02% | 0.12% | 0.10% | 0.00% | 0.01% | +3 bps | |
| Allowance / Loans | 1.12% | 1.17% | 1.18% | 1.15% | 1.16% | 1.24% | 1.30% | 1.47% | +31 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 1.3x | n/a | n/a | n/a | 264.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.68% | 12.65% | 12.79% | 13.20% | 13.47% | 13.13% | 13.35% | 12.64% | -56 bps | |
| Total Risk-Based Capital | 13.68% | 12.65% | 12.79% | 13.20% | 13.47% | 13.13% | 13.35% | 12.64% | -56 bps | |
| Equity / Assets | 13.60% | 13.09% | 12.86% | 13.52% | 13.75% | 13.73% | 12.89% | 12.99% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.23% | 76.17% | 71.84% | 75.40% | 75.84% | 71.46% | 61.30% | 64.20% | -1,119 bps | |
| Liquid Assets / Assets | 0.90% | 1.28% | 1.12% | 1.49% | 1.47% | 1.03% | 0.79% | 1.22% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 104.01% | 101.08% | 94.80% | n/a | n/a | |