Bank of Estes Park: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 4.81 percentage points in Q2 2026, from 67.13% to 62.32%. It was the largest change from Q1 2026 among the key lines here. Bank of Estes Park ranks 51st of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 62.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Estes Park sits 18.52 points lower, at 62.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.8M |
| Net loans and leases | $95.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.33% |
| Loan-to-deposit ratio | 62.32% |
| Net loans to equity capital | 6.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.84% |
| Multifamily (5+ residential) | 3.09% |
| Commercial and industrial | 0.84% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 239.73% |
| Construction concentration (Tier 1 capital + allowance) | 43.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.79% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $77.8M | $137.2M | 54.60% | 0.54% | 0.33% |
| Q4 2023 | $80.7M | $134.6M | 56.21% | 0.65% | 0.29% |
| Q1 2024 | $81.3M | $131.8M | 51.59% | 0.69% | 0.22% |
| Q2 2024 | $85.0M | $125.9M | 50.73% | 0.62% | 0.19% |
| Q3 2024 | $85.8M | $134.9M | 46.27% | 0.71% | 0.18% |
| Q4 2024 | $92.7M | $138.7M | 44.41% | 0.73% | 0.14% |
| Q1 2025 | $91.8M | $138.1M | 43.32% | 0.60% | 0.12% |
| Q2 2025 | $96.4M | $139.9M | 41.85% | 0.55% | 0.10% |
| Q3 2025 | $98.2M | $142.7M | 41.51% | 0.60% | 0.08% |
| Q4 2025 | $97.8M | $140.5M | 41.78% | 0.54% | 0.06% |
| Q1 2026 | $94.9M | $141.4M | 41.15% | 0.63% | 0.07% |
| Q2 2026 | $96.8M | $155.4M | 41.84% | 0.84% | 0.04% |
Bank of Estes Park loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Estes Park, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Estes Park profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19351) · FFIEC NIC profile (RSSD 550354)