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The Gunnison Bank and Trust Company

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

Gunnison, CO

2 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +5.9% year over year ($209.8M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 2.05%.
  • Efficiency ratio 51.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

The Gunnison Bank and Trust Company shows strong momentum with 5 strengths and 6.2% YoY asset growth

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 13.8% in tier
  • + Revenue Diversifier: Top 41.5% in tier
  • + ROA 0.73% above tier average
  • + Efficiency Ratio 13.42% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Gunnison Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $255.4M
+6.2% YoY +3.3% QoQ
-$131.2M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $181.5M
+8.8% YoY +6.0% QoQ
-$76.8M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $209.8M
+5.9% YoY +3.4% QoQ
-$116.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.05%
+4.8% YoY +3.1% QoQ
+0.73% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
Top 12.1% in tier
Net Interest Margin ? 5.35%
+3.7% YoY +1.4% QoQ
+1.37% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Top 4.0% in tier
Efficiency Ratio ? 51.06%
-2.7% YoY -1.4% QoQ
-13.42% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.05%
-9.2% YoY -6.7% QoQ
-0.87% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 86.51%
+2.7% YoY +2.5% QoQ
+8.56% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 46.87%
-0.5% YoY -2.4% QoQ
+24.84% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Top 2.3% in tier
Nonperforming Asset Ratio ? 0.03%
-6.9% YoY -4.3% QoQ
-0.64% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 13.86%
+1.8% YoY +3.6% QoQ
-2.05% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.38%
-4.3% YoY +98.4% QoQ
-0.19% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 46.9%
-0.2pp YoY
-1.2pp QoQ
 +24.7pp 22.1% 23.5% 22.2% 98%
Brokered Deposits 3.6%
-0.3pp YoY
-0.1pp QoQ
 -4.2pp 7.9% 7.4% 8.5% 43%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 2.5%
+0.2pp YoY
+0.5pp QoQ
 -9.0pp 11.6% 8.4% 12.5% 8%
CRE 50.0%
-4.9pp YoY
-3.5pp QoQ
 +10.4pp 39.5% 42.8% 41.4% 70%
1-4 Family 45.1%
+3.4pp YoY
+1.0pp QoQ
 +12.4pp 32.6% 33.0% 31.3% 77%
Consumer 0.9%
+0.2pp YoY
+0.1pp QoQ
 -3.2pp 4.1% 3.9% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 24.9% 19.7% n/a
Leverage Ratio 13.9%
+0.2pp YoY
+0.5pp QoQ
 +1.7pp 12.2% 12.5% 12.6% 81%
Total Capital Ratio n/a n/a 19.9% 26.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 46
+6 (+15.0%) YoY
+2 (+4.5%) QoQ
 -13 58 107 482 48%
Assets per Employee ($) $5.6M
-7.7% YoY
-1.2% QoQ
 -$2.0M $7.5M $7.8M $8.8M 24%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 11%
Allowance Coverage 25.08x
+6.8% YoY
+2.8% QoQ
 +0.93x 24.15x 12.16x 20.23x 90%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 16.0%
+0.1pp YoY
+0.4pp QoQ
 +3.8pp 12.2% 9.7% 11.6% 73%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 11%
Net Income ($, YTD) $2.6M
+12.0% YoY
— QoQ
 +$19K $2.6M $5.4M $40.4M 63%

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 278 • 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: 46.87%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.35%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Credit Quality Leader

growth
#92 of 659 • Top 13.8% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Revenue Diversifier

growth
#275 of 661 • Top 41.5% 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: 0.38%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.05%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

61
Non-Interest-Bearing Deposit Share
funding
Value: 46.87%
Peer Median: 22.03%
#61 of 2643 Top 2.3% in $100M-$1B
106
Net Interest Margin
profitability
Value: 5.35%
Peer Median: 3.99%
#106 of 2643 Top 4.0% in $100M-$1B
321
Return on Assets
profitability
Value: 2.05%
Peer Median: 1.32%
#321 of 2643 Top 12.1% in $100M-$1B
452
Non-Interest Income / Assets
revenue_mix
Value: 0.38%
Peer Median: 0.57%
#452 of 2643 Top 17.1% in $100M-$1B
493
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#493 of 2643 Top 18.6% in $100M-$1B
504
Efficiency Ratio
profitability
Value: 51.06%
Peer Median: 64.48%
#504 of 2643 Top 19.0% in $100M-$1B
532
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#532 of 2633 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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