High Country Bank: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 15.03 percentage points lower than in Q1 2026, at 198.41%. Within Colorado, High Country Bank is 9th of 63 on loan-to-deposit ratio, 98.96% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. High Country Bank sits 18.02 points higher, at 98.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $445.8M |
| Net loans and leases | $440.5M |
| Loans held for sale | $480K |
| Loans to total assets | 84.36% |
| Loan-to-deposit ratio | 98.96% |
| Net loans to equity capital | 8.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.41% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.41% |
| Construction concentration (Tier 1 capital + allowance) | 107.36% |
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 | 6.41% |
| Interest income on loans | $7.1M |
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 | $359.5M | $391.4M | 31.14% | 6.06% | 0.69% |
| Q4 2023 | $372.4M | $384.6M | 30.10% | 5.88% | 0.62% |
| Q1 2024 | $380.6M | $378.5M | 28.87% | 5.71% | 0.53% |
| Q2 2024 | $396.3M | $390.7M | 29.01% | 5.68% | 0.53% |
| Q3 2024 | $410.7M | $412.0M | 31.00% | 5.04% | 0.53% |
| Q4 2024 | $417.9M | $414.9M | 30.86% | 4.88% | 0.53% |
| Q1 2025 | $418.4M | $424.0M | 31.40% | 4.64% | 0.59% |
| Q2 2025 | $430.9M | $424.0M | 30.97% | 4.19% | 0.56% |
| Q3 2025 | $441.0M | $431.9M | 31.44% | 4.69% | 0.58% |
| Q4 2025 | $449.3M | $437.3M | 30.71% | 4.48% | 0.45% |
| Q1 2026 | $445.6M | $438.1M | 31.05% | 4.45% | 0.44% |
| Q2 2026 | $445.8M | $450.5M | 31.25% | 4.41% | 0.38% |
High Country Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock High Country Bank, 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 High Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29783) · FFIEC NIC profile (RSSD 479370)