Rocky Mountain Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.48 percentage points higher than in Q1 2026, at 94.58%. Within Colorado, Rocky Mountain Bank and Trust is 20th of 63 on return on assets, 1.48% as of Q2 2026, above the middle of the field. Rocky Mountain Bank and Trust reported 1.48% on return on assets for Q2 2026, 0.23 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.23% |
| Equity capital to assets | 12.60% |
| Tangible equity to tangible assets | 12.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.71% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 6.10% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 94.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 12.18% |
| Net interest margin | 3.84% |
| Efficiency ratio | 64.39% |
| Yield on earning assets | 5.41% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.90% |
| Core deposits to total deposits | 85.18% |
| Brokered deposits to total deposits | 4.55% |
| Deposits to assets | 86.87% |
| Securities to assets | 37.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 1.11% | 3.64% | 1.10% | 0.95% |
| Q4 2023 | 10.11% | 0.85% | 3.56% | 1.00% | -0.01% |
| Q1 2024 | 9.43% | 1.32% | 3.36% | 0.62% | -0.01% |
| Q2 2024 | 10.99% | 1.09% | 3.51% | 0.54% | -0.01% |
| Q3 2024 | 11.37% | 1.03% | 3.49% | 2.74% | -0.01% |
| Q4 2024 | 11.29% | 0.98% | 3.67% | 2.41% | -0.01% |
| Q1 2025 | 11.91% | 1.28% | 3.71% | 2.28% | 0.01% |
| Q2 2025 | 12.72% | 3.33% | 4.08% | 2.12% | 0.55% |
| Q3 2025 | 13.13% | 2.09% | 4.23% | 1.93% | -0.04% |
| Q4 2025 | 13.08% | 1.35% | 4.17% | 1.76% | -0.02% |
| Q1 2026 | 13.12% | 1.52% | 3.90% | 1.79% | -0.01% |
| Q2 2026 | 13.23% | 1.48% | 3.84% | 1.71% | -0.05% |
Rocky Mountain Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rocky Mountain Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Rocky Mountain Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3019) · FFIEC NIC profile (RSSD 249658)