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Bank of Estes Park

$100M-$1B Specialty: Commercial CO FDIC cert 19351

Estes Park, CO

3 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 +11.1% year over year ($155.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.75%.
  • Efficiency ratio 67.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.23% 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) →

Bank of Estes Park has 3 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 49.4% in tier
  • - Cost Spiral: Bottom 63.0% in tier
  • - ROA 0.57% below tier average
Get updates when Bank of Estes Park releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $171.9M
+10.3% YoY +9.1% QoQ
-$214.7M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $95.1M
+0.4% YoY +2.0% QoQ
-$163.2M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $155.4M
+11.1% YoY +9.9% QoQ
-$171.3M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.75%
-45.4% YoY +477.5% QoQ
-0.57% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 4.37%
+2.5% YoY -2.9% QoQ
+0.39% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 67.89%
+11.2% YoY -13.9% QoQ
+3.41% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 61.23%
-9.6% YoY -7.2% QoQ
-16.73% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 18.86%
-16.2% YoY -7.7% QoQ
-3.17% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.84%
-4.5% YoY +0.5% QoQ
-5.07% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.11%
-10.2% YoY +108.9% QoQ
-0.45% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
23%

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 18.9%
-3.6pp YoY
-1.6pp QoQ
 -3.3pp 22.1% 23.5% 22.2% 40%
Brokered Deposits 6.4% -1.4pp 7.9% 7.4% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 0.9%
+0.3pp YoY
+0.2pp QoQ
 -10.7pp 11.6% 8.4% 12.5% 3%
CRE 54.4%
-0.3pp YoY
-0.3pp QoQ
 +14.9pp 39.5% 42.8% 41.4% 77%
1-4 Family 46.6%
+4.8pp YoY
+0.2pp QoQ
 +14.0pp 32.6% 33.0% 31.3% 79%
Consumer 0.0%
-0.1pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.9% 5.0% 3%

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 10.8%
-0.5pp YoY
+0.1pp QoQ
 -1.3pp 12.2% 12.5% 12.6% 47%
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 27
0 YoY
+1 (+3.8%) QoQ
 -32 58 107 482 22%
Assets per Employee ($) $6.4M
+10.3% YoY
+5.1% QoQ
 -$1.2M $7.5M $7.8M $8.8M 40%
Branch Count 3
0 YoY
0 QoQ
 -2 4 7 18 26%

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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 12.16x 20.23x n/a
Net Charge-off Rate (YTD) 1.2%
+1.1pp YoY
-1.2pp QoQ
 +1.1pp 0.1% 0.1% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 7.9%
-6.9pp YoY
+9.9pp QoQ
 -4.3pp 12.2% 9.7% 11.6% 25%
Cost of Funds (YTD) 1.0%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 11%
Net Income ($, YTD) $607,000
-42.6% YoY
— QoQ
 -$1.9M $2.6M $5.4M $40.4M 13%

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 (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline
#81 of 162 • Bottom 49.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.86%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Cost Spiral

risk
#88 of 138 • Bottom 63.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 67.89%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
495
Loan-to-Deposit Ratio
liquidity
Value: 61.23%
Peer Median: 77.95%
#495 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (6 metrics)

2197
Total Loans
size
Value: $95.14M
Peer Median: $258.35M
#2197 of 2643 Bottom 16.9% in $100M-$1B
2132
Total Assets
size
Value: $171.90M
Peer Median: $386.57M
#2132 of 2643 Bottom 19.4% in $100M-$1B
2095
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.32%
#2095 of 2643 Bottom 20.8% in $100M-$1B
2085
Tier 1 Capital Ratio
capital
Value: 10.84%
Peer Median: 15.91%
#2085 of 2643 Bottom 21.2% in $100M-$1B
2045
Total Deposits
size
Value: $155.40M
Peer Median: $326.73M
#2045 of 2643 Bottom 22.7% in $100M-$1B
2027
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2027 of 2643 Bottom 23.3% in $100M-$1B
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