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The Colorado Bank and Trust Company of La Junta

$100M-$1B Specialty: Commercial CO FDIC cert 1141

La Junta, CO

5 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 +31.7% year over year ($280.4M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 1.23%.
  • Efficiency ratio 67.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.84% 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 Colorado Bank and Trust Company of La Junta has 2 strengths but faces 3 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 24.1% in tier
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 24.8% in tier
  • - Margin Compression: Bottom 65.5% in tier
  • - Efficiency Ratio 3.21% above tier average
Get updates when The Colorado Bank and Trust Company of La Junta releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $330.3M
+27.0% YoY -0.8% QoQ
-$56.2M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
51%
Total Loans ? $266.0M
+47.8% YoY +9.2% QoQ
+$7.6M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $280.4M
+31.7% YoY -1.2% QoQ
-$46.3M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.23%
-25.0% YoY +22.0% QoQ
-0.10% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 5.23%
+1.7% YoY +4.0% QoQ
+1.24% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Top 5.1% in tier
Efficiency Ratio ? 67.69%
+7.4% YoY -4.1% QoQ
+3.21% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.30%
+61.8% YoY +49.7% QoQ
-0.61% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 94.84%
+12.2% YoY +10.5% QoQ
+16.89% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 34.24%
+3.6% YoY -4.4% QoQ
+12.21% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Top 10.6% in tier
Nonperforming Asset Ratio ? 0.25%
+88.4% YoY +64.8% QoQ
-0.42% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 10.33%
-17.3% YoY -0.8% QoQ
-5.58% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
Bottom 14.8% in tier
Non-Interest Income / Assets ? 0.36%
-18.6% YoY +105.3% QoQ
-0.21% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
81%

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 34.2%
+1.2pp YoY
-1.6pp QoQ
 +12.1pp 22.1% 23.5% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 9.4%
-2.6pp YoY
-0.1pp QoQ
 -2.2pp 11.6% 8.4% 12.5% 49%
CRE 62.0%
-3.3pp YoY
+0.3pp QoQ
 +22.4pp 39.5% 42.8% 41.4% 87%
1-4 Family 10.5%
-2.5pp YoY
-0.5pp QoQ
 -22.2pp 32.6% 33.0% 31.3% 12%
Consumer 1.0%
-0.9pp YoY
-0.2pp QoQ
 -3.1pp 4.1% 3.9% 5.0% 28%

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 10.3%
-2.2pp YoY
-0.1pp QoQ
 -1.8pp 12.2% 12.5% 12.6% 38%
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 49
+12 (+32.4%) YoY
0 QoQ
 -10 58 107 482 52%
Assets per Employee ($) $6.7M
-4.1% YoY
-0.8% QoQ
 -$777K $7.5M $7.8M $8.8M 47%
Branch Count 5
+3 (+150.0%) YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.2pp 0.3% 0.7% 0.4% 55%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 28%
Allowance Coverage 3.12x
-51.7% YoY
-35.9% QoQ
 -21.04x 24.15x 12.16x 20.23x 60%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 11.0%
-1.2pp YoY
+2.0pp QoQ
 -1.2pp 12.2% 9.7% 11.6% 43%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 44%
Net Income ($, YTD) $2.0M
-2.9% YoY
— QoQ
 -$554K $2.6M $5.4M $40.4M 52%

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 (1)

Deposit Franchise

growth
#68 of 278 • Top 24.1% 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: 34.24%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.23%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#313 of 1256 • Bottom 24.8% in tier

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

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Margin Compression

decline
#202 of 307 • Bottom 65.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.23%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 (3 metrics)

137
Net Interest Margin
profitability
Value: 5.23%
Peer Median: 3.99%
#137 of 2643 Top 5.1% in $100M-$1B
280
Non-Interest-Bearing Deposit Share
funding
Value: 34.24%
Peer Median: 22.03%
#280 of 2643 Top 10.6% in $100M-$1B
506
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#506 of 2643 Top 19.1% in $100M-$1B

Top Weaknesses (2 metrics)

2254
Tier 1 Capital Ratio
capital
Value: 10.33%
Peer Median: 15.91%
#2254 of 2643 Bottom 14.8% in $100M-$1B
2208
Loan-to-Deposit Ratio
liquidity
Value: 94.84%
Peer Median: 77.95%
#2208 of 2643 Bottom 16.5% in $100M-$1B
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