The Gunnison Bank and Trust Company: 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.
Construction concentration (tier 1 capital + allowance) dropped 15.05 percentage points in Q2 2026, from 79.87% to 64.82%. It was the largest change from Q1 2026 among the key lines here. The Gunnison Bank and Trust Company ranks 27th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 87.51% (Q2 2026). The Gunnison Bank and Trust Company reported 87.51% on loan-to-deposit ratio for Q2 2026, 6.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $183.6M |
| Net loans and leases | $181.5M |
| Loans held for sale | $0 |
| Loans to total assets | 71.89% |
| Loan-to-deposit ratio | 87.51% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.66% |
| Multifamily (5+ residential) | 0.89% |
| Commercial and industrial | 2.49% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 2.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.81% |
| Construction concentration (Tier 1 capital + allowance) | 64.82% |
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 | 7.43% |
| Interest income on loans | $3.3M |
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 | $141.4M | $189.5M | 33.98% | 2.02% | 0.90% |
| Q4 2023 | $145.8M | $183.0M | 32.98% | 1.71% | 0.84% |
| Q1 2024 | $148.6M | $188.4M | 32.08% | 1.45% | 0.82% |
| Q2 2024 | $157.5M | $189.7M | 31.29% | 2.47% | 0.75% |
| Q3 2024 | $161.4M | $198.8M | 31.25% | 3.10% | 0.70% |
| Q4 2024 | $150.3M | $195.6M | 32.64% | 1.18% | 0.79% |
| Q1 2025 | $162.7M | $196.0M | 30.90% | 2.81% | 0.73% |
| Q2 2025 | $168.8M | $198.1M | 32.02% | 2.30% | 0.71% |
| Q3 2025 | $165.6M | $211.2M | 32.58% | 2.78% | 0.91% |
| Q4 2025 | $164.2M | $206.1M | 33.61% | 1.02% | 0.84% |
| Q1 2026 | $173.3M | $202.8M | 35.60% | 2.03% | 0.78% |
| Q2 2026 | $183.6M | $209.8M | 35.66% | 2.49% | 0.91% |
The Gunnison Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gunnison Bank and Trust Company, 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 The Gunnison Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11259) · FFIEC NIC profile (RSSD 502559)