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The Gunnison Bank and Trust Company

$100M-$1B Specialty: Commercial CO FDIC cert 11259

Gunnison, CO

2 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

The Gunnison Bank and Trust Company has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 0.4% in tier
  • + Credit Quality Leader: Top 4.2% in tier
  • + Revenue Diversifier: Top 41.3% in tier
  • + ROA 0.72% above tier average
  • + Efficiency Ratio 13.52% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.3% in tier
  • - Credit Risk Growth: Bottom 21.6% in tier
Get updates when The Gunnison Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $247.3M
+6.2% YoY -1.1% QoQ
-$138.7M $386.1M
+0.5% YoY
$1.3B
+9.7% YoY
$6.2B
+9.1% YoY
36%
Total Loans ? $171.3M
+6.6% YoY +5.6% QoQ
-$84.4M $255.7M
+1.1% YoY
$851.2M
+6.5% YoY
$3.2B
+10.8% YoY
42%
Total Deposits ? $202.8M
+3.5% YoY -1.6% QoQ
-$125.1M $328.0M
+0.1% YoY
$1.1B
+5.2% YoY
$4.8B
+8.2% YoY
35%
Return on Assets ? 1.99%
+7.3% YoY +6.1% QoQ
+0.72% 1.27%
+12.9% YoY
0.93%
+11.9% YoY
1.23%
+13.4% YoY
Top 12.8% in tier
Net Interest Margin ? 5.28%
+2.7% YoY +0.6% QoQ
+1.35% 3.93%
+6.0% YoY
3.99%
+5.0% YoY
3.89%
+5.7% YoY
Top 4.4% in tier
Efficiency Ratio ? 51.77%
-4.9% YoY -5.7% QoQ
-13.52% 65.29%
-4.5% YoY
74.00%
-3.2% YoY
66.95%
-4.1% YoY
81%
Delinquency Rate ? 0.05%
-22.6% QoQ
-0.84% 0.89%
+18.8% YoY
0.67%
-8.3% YoY
0.95%
+18.8% YoY
79%
Loan-to-Deposit Ratio ? 84.43%
+3.0% YoY +7.3% QoQ
+7.80% 76.64%
+0.8% YoY
78.09%
+0.7% YoY
76.70%
+0.9% YoY
36%
Non-Interest-Bearing Deposit Share ? 48.02%
-2.7% YoY +1.4% QoQ
+26.00% 22.02%
-1.0% YoY
23.93%
-3.2% YoY
22.01%
-1.2% YoY
Top 2.1% in tier
Nonperforming Asset Ratio ? 0.03%
-17.4% QoQ
-0.60% 0.64%
+19.7% YoY
0.50%
-1.2% YoY
0.67%
+19.3% YoY
80%
Tier 1 Capital Ratio ? 13.38%
-0.1% YoY +4.4% QoQ
-2.45% 15.83%
+1.5% YoY
21.66%
+2.9% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.19%
-1.2% YoY -75.6% QoQ
-0.09% 0.28%
+9.3% YoY
0.26%
+10.8% YoY
0.32%
+4.1% YoY
84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth
#2 of 272 • Top 0.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 48.02%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.28%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Credit Quality Leader

growth
#29 of 664 • Top 4.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Revenue Diversifier

growth
#276 of 666 • Top 41.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.19%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 1.99%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#123 of 1308 • Bottom 9.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#211 of 973 • Bottom 21.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

56
Non-Interest-Bearing Deposit Share
funding
Value: 48.02%
Peer Median: 22.02%
#56 of 2664 Top 2.1% in $100M-$1B
118
Net Interest Margin
profitability
Value: 5.28%
Peer Median: 3.93%
#118 of 2664 Top 4.4% in $100M-$1B
343
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.27%
#343 of 2664 Top 12.8% in $100M-$1B
430
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#430 of 2664 Top 16.1% in $100M-$1B
512
Efficiency Ratio
profitability
Value: 51.77%
Peer Median: 65.29%
#512 of 2664 Top 19.2% in $100M-$1B
524
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.64%
#524 of 2664 Top 19.6% in $100M-$1B
550
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.89%
#550 of 2654 Top 20.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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