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Pikes Peak National Bank

$100M-$1B Specialty: Commercial CO FDIC cert 17782

Colorado Springs, CO

3 branches across CO

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

Pikes Peak National Bank has 4 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

  • + Credit Quality Leader: Top 35.8% in tier
  • + Non-Interest-Bearing Deposit Share 12.88% above tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 17.2% in tier
  • - Liquidity Overhang: Bottom 26.7% in tier
  • - ROA 0.74% below tier average
Get updates when Pikes Peak National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $110.7M
+6.6% YoY +0.7% QoQ
-$275.4M $386.1M
+0.5% YoY
$1.3B
+9.7% YoY
$6.2B
+9.1% YoY
Bottom 3.0% in tier
Total Loans ? $70.7M
+6.7% YoY +1.7% QoQ
-$185.0M $255.7M
+1.1% YoY
$851.2M
+6.5% YoY
$3.2B
+10.8% YoY
Bottom 7.6% in tier
Total Deposits ? $93.1M
+7.0% YoY +0.8% QoQ
-$234.8M $328.0M
+0.1% YoY
$1.1B
+5.2% YoY
$4.8B
+8.2% YoY
Bottom 3.7% in tier
Return on Assets ? 0.53%
-28.3% YoY -22.4% QoQ
-0.74% 1.27%
+12.9% YoY
0.93%
+11.9% YoY
1.23%
+13.4% YoY
Bottom 13.7% in tier
Net Interest Margin ? 4.36%
+1.9% YoY -3.8% QoQ
+0.43% 3.93%
+6.0% YoY
3.99%
+5.0% YoY
3.89%
+5.7% YoY
76%
Efficiency Ratio ? 84.12%
+3.9% YoY +4.4% QoQ
+18.84% 65.29%
-4.5% YoY
74.00%
-3.2% YoY
66.95%
-4.1% YoY
Bottom 10.8% in tier
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
0.67%
-8.3% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 75.94%
-0.3% YoY +0.9% QoQ
-0.70% 76.64%
+0.8% YoY
78.09%
+0.7% YoY
76.70%
+0.9% YoY
55%
Non-Interest-Bearing Deposit Share ? 34.90%
-8.4% YoY +0.3% QoQ
+12.88% 22.02%
-1.0% YoY
23.93%
-3.2% YoY
22.01%
-1.2% YoY
Top 10.0% in tier
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.50%
-1.2% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.18%
-0.8% YoY -0.9% QoQ
+7.35% 15.83%
+1.5% YoY
21.66%
+2.9% YoY
17.06%
+0.8% YoY
Top 8.1% in tier
Non-Interest Income / Assets ? 0.05%
-80.1% YoY -87.1% QoQ
-0.23% 0.28%
+9.3% YoY
0.26%
+10.8% YoY
0.32%
+4.1% YoY
21%

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)

Credit Quality Leader

growth
#239 of 664 • Top 35.8% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk
#72 of 414 • Bottom 17.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.12%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

Liquidity Overhang

risk
#198 of 739 • Bottom 26.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.18%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 75.94%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
218
Tier 1 Capital Ratio
capital
Value: 23.18%
Peer Median: 15.83%
#218 of 2664 Top 8.1% in $100M-$1B
267
Non-Interest-Bearing Deposit Share
funding
Value: 34.90%
Peer Median: 22.02%
#267 of 2664 Top 10.0% in $100M-$1B
633
Net Interest Margin
profitability
Value: 4.36%
Peer Median: 3.93%
#633 of 2664 Top 23.7% in $100M-$1B

Top Weaknesses (6 metrics)

2586
Total Assets
size
Value: $110.72M
Peer Median: $386.08M
#2586 of 2664 Bottom 3.0% in $100M-$1B
2567
Total Deposits
size
Value: $93.13M
Peer Median: $327.97M
#2567 of 2664 Bottom 3.7% in $100M-$1B
2462
Total Loans
size
Value: $70.73M
Peer Median: $255.72M
#2462 of 2664 Bottom 7.6% in $100M-$1B
2377
Efficiency Ratio
profitability
Value: 84.12%
Peer Median: 65.29%
#2377 of 2664 Bottom 10.8% in $100M-$1B
2299
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.27%
#2299 of 2664 Bottom 13.7% in $100M-$1B
2114
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2114 of 2664 Bottom 20.7% in $100M-$1B
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