| Metric | Bank of Estes Park | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.4% | +5.9 pts |
| Deposit growth (YoY) | +11.1% | +4.0% | +7.1 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $171.9M | $155.4M | $95.1M | $15.4M | $607K | 0.75% | 4.37% | 0.00% |
| Q1 2026 | $157.5M | $141.4M | $93.3M | $15.2M | $-78K | -0.20% | 4.50% | 0.00% |
| Q4 2025 | $157.3M | $140.5M | $96.0M | $15.6M | $2.1M | 1.37% | 4.42% | 0.65% |
| Q3 2025 | $159.1M | $142.7M | $96.5M | $15.4M | $1.6M | 1.40% | 4.36% | 0.70% |
| Q2 2025 | $155.9M | $139.9M | $94.8M | $14.9M | $1.1M | 1.37% | 4.27% | 0.72% |
| Q1 2025 | $153.6M | $138.1M | $90.3M | $14.5M | $475K | 1.24% | 4.24% | 0.73% |
| Q4 2024 | $153.6M | $138.7M | $91.2M | $13.7M | $1.1M | 0.75% | 3.67% | 0.90% |
| Q3 2024 | $150.5M | $134.9M | $84.4M | $14.4M | $661K | 0.60% | 3.57% | 0.91% |
Loan mix (Q2 2026): real estate $96.1M · commercial $816K · consumer $43K · securities $52.3M
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 62.9% | 64th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Estes Park | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $155.4M branch deposits. Biggest market: Larimer, CO, ranked 19th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Larimer, CO | 2 | $144.1M | 0.96% | 19th |
| Boulder, CO | 1 | $11.3M | 0.08% | 37th |
Colorado: 108th with 0.07% · Fort Collins-Loveland metro: 19th, 0.96% · Boulder metro: 37th, 0.08% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).