The Gunnison Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Gunnison Bank and Trust Company of Gunnison, CO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.16% | 1.34% | +0.82% | 89th top |
| ROAE | 16.39% | 13.32% | +3.07% | 73rd above |
| Net Interest Margin | 5.45% | 3.93% | +1.52% | 97th top |
| Efficiency Ratio | 50.16% | 61.13% | -10.97% | 80th top |
| PPNR / Avg Assets | 2.87% | 1.68% | +1.19% | 95th top |
| Yield on Earning Assets | 6.48% | 5.67% | +0.81% | 87th top |
| Cost of Funds | 1.08% | 1.88% | -0.80% | 88th top |
| Net Interest Spread | 4.51% | 3.32% | +1.19% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 2508.33% | 1545.86% | +962.47% | — |
| Texas Ratio | 0.24% | 7.34% | -7.10% | 85th top |
| Provision / NCO | 6000.00% | 1393.14% | +4606.86% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.86% | 12.14% | +1.72% | 81st top |
| Equity / Assets | 12.95% | 11.36% | +1.59% | 78th top |
| TCE / Tangible Assets | 12.95% | 11.08% | +1.87% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.51% | 80.66% | +6.85% | 34th below |
| Core Deposit Ratio | 89.22% | 86.85% | +2.37% | 51st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.92% | 5.04% | -1.12% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.16% | 6.84% | -0.68% | 63rd above |
| Loan Growth (Y/Y) | 8.77% | 7.92% | +0.85% | 69th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.91% | 6.29% | -0.38% | 64th above |
See The Gunnison Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Gunnison Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Gunnison Bank and Trust Company profile, how to read a UBPR, or how this data updates.