High Country Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks High Country Bank of Salida, 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 | 1.11% | 1.35% | -0.24% | 40th below |
| ROAE | 11.99% | 13.32% | -1.33% | 48th below |
| Net Interest Margin | 4.73% | 3.93% | +0.80% | 86th top |
| Efficiency Ratio | 70.77% | 61.13% | +9.64% | 26th below |
| PPNR / Avg Assets | 1.44% | 1.68% | -0.24% | 41st below |
| Yield on Earning Assets | 6.01% | 5.67% | +0.34% | 69th above |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 4.45% | 3.32% | +1.13% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.34% | 0.94% | +0.40% | 21st bottom |
| NPA / Total Assets | 1.13% | 0.70% | +0.43% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 88.36% | 1546.94% | -1458.58% | 24th bottom |
| Texas Ratio | 11.03% | 7.33% | +3.70% | 20th bottom |
| Provision / NCO | 0.00% | 1395.95% | -1395.95% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.62% | 12.14% | -2.52% | 24th bottom |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.08% | -1.79% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.96% | 80.65% | +18.31% | 13th bottom |
| Core Deposit Ratio | 96.03% | 86.84% | +9.19% | 89th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.73% | 5.04% | -0.31% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.89% | 6.84% | -3.95% | 39th below |
| Loan Growth (Y/Y) | 3.47% | 7.92% | -4.45% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.25% | 6.29% | -0.04% | 66th above |
See High Country Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock High Country Bank, 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 High Country Bank profile, how to read a UBPR, or how this data updates.