| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.7 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 0.58% | 1.24% | -0.7 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $231.2M | $212.3M | $150.4M | $16.2M | $650K | 0.58% | 4.27% | 0.00% |
| Q1 2026 | $225.6M | $207.0M | $150.1M | $15.7M | $319K | 0.58% | 4.29% | 0.00% |
| Q4 2025 | $215.3M | $196.5M | $151.0M | $15.6M | $1.4M | 0.67% | 4.01% | 0.00% |
| Q3 2025 | $222.8M | $205.1M | $153.8M | $14.7M | $797K | 0.49% | 3.91% | 0.00% |
| Q2 2025 | $217.7M | $200.9M | $154.8M | $13.9M | $466K | 0.44% | 3.84% | 0.02% |
| Q1 2025 | $215.2M | $198.5M | $152.0M | $13.8M | $226K | 0.43% | 3.79% | 0.02% |
| Q4 2024 | $205.4M | $189.0M | $147.6M | $13.2M | $212K | 0.10% | 3.18% | 0.02% |
| Q3 2024 | $219.6M | $204.8M | $144.7M | $13.9M | $137K | 0.09% | 3.02% | 0.17% |
Loan mix (Q2 2026): real estate $138.4M · commercial $10.5M · consumer $816K · securities $22.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 62.9% | 88th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
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).
7 branches in 4 counties across 1 state (+0 vs 2025) · $212.3M branch deposits. Biggest market: Ouray, CO, ranked 2nd with 39.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ouray, CO | 2 | $82.9M | 39.83% | 2nd |
| Montrose, CO | 2 | $77.7M | 5.29% | 8th |
| San Miguel, CO | 2 | $25.9M | 4.28% | 5th |
| 1 more county with Pro → | ||||
Colorado: 92nd with 0.09% ·
Branch count: 2022 5 · 2023 5 · 2024 7 · 2025 7 · 2026 7