The Eastern Colorado Bank: 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.
Securities to assets climbed 1.85 percentage points in Q2 2026, from 16.27% to 18.12%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, The Eastern Colorado Bank is 40th of 63 on return on assets, 1.04% as of Q2 2026, below the middle of the field. The Eastern Colorado Bank reported 1.04% on return on assets for Q2 2026, 0.22 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 11.31% |
| Equity capital to assets | 11.33% |
| Tangible equity to tangible assets | 10.57% |
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 | 1.44% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 9.57% |
| Net interest margin | 3.73% |
| Efficiency ratio | 69.08% |
| Yield on earning assets | 5.55% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.45% |
| Core deposits to total deposits | 83.06% |
| Brokered deposits to total deposits | 2.83% |
| Deposits to assets | 83.66% |
| Securities to assets | 18.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.02% | 13.02% | 14.18% | 10.81% | 1.29% |
| Q4 2023 | 12.88% | 12.88% | 14.03% | 10.67% | 1.01% |
| Q1 2024 | 12.83% | 12.83% | 13.97% | 10.66% | 1.31% |
| Q2 2024 | 12.55% | 12.55% | 13.65% | 10.69% | 1.14% |
| Q3 2024 | 12.43% | 12.43% | 13.51% | 10.60% | 1.11% |
| Q4 2024 | 12.29% | 12.29% | 13.33% | 10.48% | 0.98% |
| Q1 2025 | 12.18% | 12.18% | 13.21% | 10.49% | 1.21% |
| Q2 2025 | 12.42% | 12.42% | 13.48% | 10.39% | 1.09% |
| Q3 2025 | 12.80% | 12.80% | 13.92% | 10.68% | 1.18% |
| Q4 2025 | 12.84% | 12.84% | 13.93% | 10.73% | 1.11% |
| Q1 2026 | 13.19% | 13.19% | 14.32% | 10.71% | 1.25% |
| Q2 2026 | 14.22% | 14.22% | 15.36% | 11.31% | 1.04% |
The Eastern Colorado Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Eastern Colorado Bank, 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 The Eastern Colorado Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16125) · FFIEC NIC profile (RSSD 775054)