| Metric | Bank of The Rockies | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +9.2% | +5.6% | +3.7 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 21.3% | 11.9% | +9.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $277.4M | $229.5M | $210.9M | $26.1M | $2.7M | 2.01% | 4.94% | 0.92% |
| Q1 2026 | $261.0M | $232.0M | $196.2M | $25.6M | $1.3M | 2.01% | 4.91% | 1.62% |
| Q4 2025 | $270.4M | $236.8M | $188.8M | $24.7M | $4.4M | 1.67% | 4.88% | 0.14% |
| Q3 2025 | $262.9M | $226.2M | $193.4M | $24.4M | $3.2M | 1.63% | 4.74% | 0.68% |
| Q2 2025 | $261.1M | $221.5M | $193.1M | $24.4M | $2.0M | 1.55% | 4.80% | 0.63% |
| Q1 2025 | $258.9M | $219.5M | $191.5M | $24.0M | $1.2M | 1.87% | 4.81% | 0.21% |
| Q4 2024 | $257.1M | $213.4M | $186.8M | $23.9M | $3.6M | 1.44% | 4.81% | 0.19% |
| Q3 2024 | $253.6M | $208.9M | $180.9M | $24.5M | $2.6M | 1.40% | 4.78% | 0.14% |
Loan mix (Q2 2026): real estate $159.8M · commercial $38.3M · consumer $3.0M · securities $52.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of The Rockies | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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 The Rockies | 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 The Rockies | 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 The Rockies | 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 The Rockies | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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