Bank of Estes Park: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 6.54 percentage points lower than in Q1 2026, at 84.30%. Within Colorado, Bank of Estes Park is 16th of 63 on return on assets, 1.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Estes Park sits 0.46 points higher, at 1.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.84% |
| Equity capital to assets | 8.97% |
| Tangible equity to tangible assets | 8.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 17.92% |
| Net interest margin | 4.37% |
| Efficiency ratio | 56.98% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.32% |
| Core deposits to total deposits | 84.30% |
| Brokered deposits to total deposits | 6.44% |
| Deposits to assets | 90.40% |
| Securities to assets | 30.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.02% | 0.98% | 3.41% | 2.31% | 0.00% |
| Q4 2023 | 11.05% | 0.42% | 3.49% | 1.98% | 1.04% |
| Q1 2024 | 11.31% | 0.62% | 3.37% | 1.96% | 0.00% |
| Q2 2024 | 11.70% | 0.74% | 3.50% | 1.61% | 0.07% |
| Q3 2024 | 11.37% | 0.48% | 3.69% | 1.60% | 1.04% |
| Q4 2024 | 10.99% | 1.18% | 3.83% | 1.48% | 0.00% |
| Q1 2025 | 11.25% | 1.25% | 4.22% | 0.74% | 0.13% |
| Q2 2025 | 11.35% | 1.55% | 4.38% | 0.70% | 0.01% |
| Q3 2025 | 10.78% | 1.46% | 4.44% | 0.69% | 0.00% |
| Q4 2025 | 10.79% | 1.25% | 4.46% | 0.60% | 0.38% |
| Q1 2026 | 10.78% | -0.20% | 4.40% | 0.00% | 2.45% |
| Q2 2026 | 10.84% | 1.72% | 4.37% | 0.00% | 0.00% |
Bank of Estes Park vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Estes Park, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)