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RG Bank, A Savings and Loan Association

$100M-$1B Specialty: Mortgage CO FDIC cert 28315

Designations: ✓ Mutual

Monte Vista, 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 -0.7% year over year ($121.4M on the books).
  • Delinquency rate 1.52%.
  • Return on assets 0.60%.
  • Efficiency ratio 83.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.58% 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) →

RG Bank, A Savings and Loan Association has 1 strength but faces 4 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

  • + Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 8.5% in tier
  • - ROA 0.73% below tier average
  • - Efficiency Ratio 19.33% above tier average
  • - Delinquency Rate 0.60% above tier average
Get updates when RG Bank, A Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $136.7M
-0.6% YoY +0.5% QoQ
-$249.9M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
Bottom 10.1% in tier
Total Loans ? $107.5M
+0.7% YoY +2.5% QoQ
-$150.9M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $121.4M
-0.7% YoY +0.4% QoQ
-$205.4M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
Bottom 12.4% in tier
Return on Assets ? 0.60%
+49.3% YoY -2.8% QoQ
-0.73% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 4.16%
+8.2% YoY +0.4% QoQ
+0.17% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 83.81%
-5.3% YoY +0.9% QoQ
+19.33% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 10.0% in tier
Delinquency Rate ? 1.52%
-19.8% YoY +10.4% QoQ
+0.60% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
18%
Loan-to-Deposit Ratio ? 88.58%
+1.4% YoY +2.1% QoQ
+10.63% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 20.95%
+1.7% YoY -7.2% QoQ
-1.08% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 1.19%
-18.8% YoY +12.7% QoQ
+0.52% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 11.86%
+5.6% YoY +0.1% QoQ
-4.05% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.22%
-9.8% YoY +113.8% QoQ
-0.34% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
57%

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 21.0%
+0.4pp YoY
-1.6pp QoQ
 -1.2pp 22.1% 23.5% 22.2% 49%
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 2.7%
+0.1pp YoY
+0.1pp QoQ
 -8.9pp 11.6% 8.4% 12.5% 9%
CRE 21.9%
+3.2pp YoY
+2.6pp QoQ
 -17.6pp 39.5% 42.8% 41.4% 21%
1-4 Family 68.3%
-3.5pp YoY
-2.7pp QoQ
 +35.7pp 32.6% 33.0% 31.3% 94%
Consumer 1.8%
+0.2pp YoY
0.0pp QoQ
 -2.3pp 4.1% 3.9% 5.0% 45%

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 11.9%
+0.6pp YoY
0.0pp QoQ
 -0.3pp 12.2% 12.5% 12.6% 63%
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 23
-3 (-11.5%) YoY
-1 (-4.2%) QoQ
 -36 58 107 482 15%
Assets per Employee ($) $5.9M
+12.4% YoY
+4.8% QoQ
 -$1.6M $7.5M $7.8M $8.8M 32%
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 1.5%
-0.4pp YoY
+0.1pp QoQ
 +0.6pp 0.9% 0.8% 1.0% 82%
Allowance Coverage 0.81x
+19.1% YoY
-9.2% QoQ
 -23.35x 24.15x 12.16x 20.23x 20%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 5.6%
+1.3pp YoY
-0.2pp QoQ
 -6.6pp 12.2% 9.7% 11.6% 16%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 15%
Net Income ($, YTD) $407,000
+46.9% YoY
— QoQ
 -$2.1M $2.6M $5.4M $40.4M 9%

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 (1)

Flatlined Growth

risk
#46 of 529 • Bottom 8.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.60%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2379
Efficiency Ratio
profitability
Value: 83.81%
Peer Median: 64.48%
#2379 of 2643 Bottom 10.0% in $100M-$1B
2378
Total Assets
size
Value: $136.69M
Peer Median: $386.57M
#2378 of 2643 Bottom 10.1% in $100M-$1B
2317
Total Deposits
size
Value: $121.35M
Peer Median: $326.73M
#2317 of 2643 Bottom 12.4% in $100M-$1B
2246
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2246 of 2643 Bottom 15.1% in $100M-$1B
2207
Nonperforming Asset Ratio
credit_quality
Value: 1.19%
Peer Median: 0.67%
#2207 of 2643 Bottom 16.5% in $100M-$1B
2150
Delinquency Rate
credit_quality
Value: 1.52%
Peer Median: 0.92%
#2150 of 2633 Bottom 18.4% in $100M-$1B
2083
Total Loans
size
Value: $107.50M
Peer Median: $258.35M
#2083 of 2643 Bottom 21.2% in $100M-$1B
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