Rocky Mountain Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rocky Mountain Bank and Trust of Florence, 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 | 1.48% | 1.34% | +0.14% | 62nd above |
| ROAE | 12.18% | 13.32% | -1.14% | 49th below |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 64.39% | 61.13% | +3.26% | 41st below |
| PPNR / Avg Assets | 1.48% | 1.68% | -0.20% | 43rd below |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 54th above |
| Net Interest Spread | 3.00% | 3.32% | -0.32% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 0.94% | +0.77% | 16th bottom |
| NPA / Total Assets | 0.82% | 0.70% | +0.12% | 26th below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 94th top |
| ACL / Total Loans | 1.62% | 1.28% | +0.34% | 84th top |
| ACL / NPLs (Coverage) | 94.58% | 1546.31% | -1451.73% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.10% | 7.34% | -1.24% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.23% | 12.14% | +1.09% | 77th top |
| Equity / Assets | 12.60% | 11.36% | +1.24% | 75th top |
| TCE / Tangible Assets | 12.60% | 11.08% | +1.52% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.90% | 80.66% | -25.76% | 88th top |
| Core Deposit Ratio | 85.18% | 86.85% | -1.67% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.30% | 6.84% | +1.46% | 77th top |
| Loan Growth (Y/Y) | -1.08% | 7.92% | -9.00% | 19th bottom |
| Deposit Growth (Y/Y) | 7.03% | 6.29% | +0.74% | 71st above |
See Rocky Mountain Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rocky Mountain Bank and Trust, 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 Rocky Mountain Bank and Trust profile, how to read a UBPR, or how this data updates.