Stockmens Bank: 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.
Reserve coverage of non-performing loans climbed 108.01 percentage points in Q2 2026, from 344.55% to 452.55%. It was the largest change from Q1 2026 among the key lines here. Stockmens Bank ranks 21st of 63 Colorado banks on return on assets, in the upper half at 1.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Stockmens Bank sits 0.23 points higher, at 1.48% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.27% |
| Tier 1 leverage ratio | 10.63% |
| Equity capital to assets | 10.60% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 2.70% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 452.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 12.88% |
| Net interest margin | 4.83% |
| Efficiency ratio | 54.90% |
| Yield on earning assets | 6.50% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.08% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.19% |
| Securities to assets | 1.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.10% | 11.10% | 12.35% | 9.95% | 1.36% |
| Q4 2023 | 11.87% | 11.87% | 13.12% | 9.89% | 1.34% |
| Q1 2024 | 12.34% | 12.34% | 13.59% | 9.93% | 1.31% |
| Q2 2024 | 12.41% | 12.41% | 13.67% | 10.45% | 1.34% |
| Q3 2024 | 12.70% | 12.70% | 13.96% | 10.89% | 1.31% |
| Q4 2024 | 12.92% | 12.92% | 14.18% | 10.97% | 1.40% |
| Q1 2025 | 13.24% | 13.24% | 14.49% | 11.35% | 1.36% |
| Q2 2025 | 13.05% | 13.05% | 14.31% | 11.26% | 1.45% |
| Q3 2025 | 12.93% | 12.93% | 14.18% | 11.25% | 1.52% |
| Q4 2025 | 12.99% | 12.99% | 14.25% | 11.34% | 1.52% |
| Q1 2026 | 13.30% | 13.30% | 14.55% | 11.59% | 1.55% |
| Q2 2026 | 11.01% | 11.01% | 12.27% | 10.63% | 1.48% |
Stockmens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens Bank, 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 Stockmens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8321) · FFIEC NIC profile (RSSD 982553)