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High Country Bank

$100M-$1B Specialty: Commercial CO FDIC cert 29783

Salida, 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 +6.3% year over year ($450.5M on the books).
  • Delinquency rate 1.36%.
  • Return on assets 1.08%.
  • Efficiency ratio 71.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.79% 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) →

High Country Bank has 1 strength but faces 5 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 0.73% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 19.1% in tier
  • - Credit Risk Growth: Bottom 33.1% in tier
  • - Liquidity Strain: Bottom 36.0% in tier
  • - ROA 0.24% below tier average
  • - Efficiency Ratio 6.87% above tier average
Get updates when High Country Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $528.5M
+2.9% YoY +0.8% QoQ
+$141.9M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $440.5M
+3.4% YoY +0.1% QoQ
+$182.2M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $450.5M
+6.3% YoY +2.8% QoQ
+$123.8M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.08%
+20.4% YoY +2.3% QoQ
-0.24% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 4.72%
+1.5% YoY +1.3% QoQ
+0.73% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Top 13.7% in tier
Efficiency Ratio ? 71.35%
-2.8% YoY -0.5% QoQ
+6.87% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 1.36%
+48.5% YoY +0.3% QoQ
+0.44% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 97.79%
-2.7% YoY -2.7% QoQ
+19.83% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Bottom 12.8% in tier
Non-Interest-Bearing Deposit Share ? 11.88%
-13.2% YoY +0.7% QoQ
-10.15% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 14.3% in tier
Nonperforming Asset Ratio ? 1.13%
+49.2% YoY -0.5% QoQ
+0.47% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 9.62%
-15.0% YoY +2.1% QoQ
-6.29% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
Bottom 6.2% in tier
Non-Interest Income / Assets ? 0.20%
+3.4% YoY +100.5% QoQ
-0.37% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
49%

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 11.9%
-1.8pp YoY
+0.1pp QoQ
 -10.3pp 22.1% 23.5% 22.2% 14%
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 4.5%
+0.2pp YoY
0.0pp QoQ
 -7.1pp 11.6% 8.4% 12.5% 17%
CRE n/a n/a 39.5% 42.8% 41.4% n/a
1-4 Family 49.4%
+0.3pp YoY
+0.7pp QoQ
 +16.8pp 32.6% 33.0% 31.3% 82%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 3.9% 5.0% 13%

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 9.6%
+0.9pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.5% 12.6% 24%
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 94
0 YoY
0 QoQ
 +35 58 107 482 84%
Assets per Employee ($) $5.6M
+2.9% YoY
+0.8% QoQ
 -$1.9M $7.5M $7.8M $8.8M 25%
Branch Count 5
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 0.0% -0.3pp 0.3% 0.7% 0.4% 0%
Nonaccrual 1.4%
+0.4pp YoY
0.0pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 80%
Allowance Coverage 0.88x
-27.2% YoY
-0.4% QoQ
 -23.27x 24.15x 12.16x 20.23x 23%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 11.8%
+1.0pp YoY
+0.2pp QoQ
 -0.4pp 12.2% 9.7% 11.6% 49%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 24%
Net Income ($, YTD) $2.9M
+25.8% YoY
— QoQ
 +$310K $2.6M $5.4M $40.4M 68%

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 (3)

Capital Thin

risk
#127 of 661 • Bottom 19.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.62%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#311 of 936 • Bottom 33.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#250 of 691 • Bottom 36.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.79%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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)

364
Net Interest Margin
profitability
Value: 4.72%
Peer Median: 3.99%
#364 of 2643 Top 13.7% in $100M-$1B
451
Total Loans
size
Value: $440.51M
Peer Median: $258.35M
#451 of 2643 Top 17.0% in $100M-$1B
661
Total Deposits
size
Value: $450.49M
Peer Median: $326.73M
#661 of 2643 Top 25.0% in $100M-$1B

Top Weaknesses (5 metrics)

2479
Tier 1 Capital Ratio
capital
Value: 9.62%
Peer Median: 15.91%
#2479 of 2643 Bottom 6.2% in $100M-$1B
2307
Loan-to-Deposit Ratio
liquidity
Value: 97.79%
Peer Median: 77.95%
#2307 of 2643 Bottom 12.8% in $100M-$1B
2267
Non-Interest-Bearing Deposit Share
funding
Value: 11.88%
Peer Median: 22.03%
#2267 of 2643 Bottom 14.3% in $100M-$1B
2181
Nonperforming Asset Ratio
credit_quality
Value: 1.13%
Peer Median: 0.67%
#2181 of 2643 Bottom 17.5% in $100M-$1B
2096
Delinquency Rate
credit_quality
Value: 1.36%
Peer Median: 0.92%
#2096 of 2633 Bottom 20.4% in $100M-$1B
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