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Rocky Mountain Bank & Trust

$100M-$1B Specialty: Commercial CO FDIC cert 3019

Florence, CO

2 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 +7.0% year over year ($109.9M on the books).
  • Delinquency rate 1.74%.
  • Return on assets 1.54%.
  • Efficiency ratio 64.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.01% 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) →

Rocky Mountain Bank & Trust 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

  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Efficiency Ratio 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 30.6% in tier
  • - Cost Spiral: Bottom 73.2% in tier
  • - Delinquency Rate 0.82% above tier average
Get updates when Rocky Mountain Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $126.5M
+8.3% YoY +1.9% QoQ
-$260.1M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
Bottom 7.5% in tier
Total Loans ? $59.4M
-1.2% YoY -1.9% QoQ
-$199.0M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
Bottom 4.6% in tier
Total Deposits ? $109.9M
+7.0% YoY +1.9% QoQ
-$216.8M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
Bottom 8.7% in tier
Return on Assets ? 1.54%
-32.4% YoY -0.9% QoQ
+0.22% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 4.06%
+3.1% YoY -0.6% QoQ
+0.07% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 64.31%
+27.8% YoY +0.1% QoQ
-0.17% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 1.74%
-19.1% YoY -4.4% QoQ
+0.82% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 54.01%
-7.7% YoY -3.7% QoQ
-23.94% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Top 11.6% in tier
Non-Interest-Bearing Deposit Share ? 24.99%
-12.5% YoY -4.6% QoQ
+2.96% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
66%
Nonperforming Asset Ratio ? 0.82%
-26.2% YoY -7.9% QoQ
+0.15% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 13.23%
+4.0% YoY +0.8% QoQ
-2.68% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.25%
-10.8% YoY +95.1% QoQ
-0.32% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
62%

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 25.0%
-3.6pp YoY
-1.2pp QoQ
 +2.8pp 22.1% 23.5% 22.2% 66%
Brokered Deposits 4.5% -3.3pp 7.9% 7.4% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 16.9%
-1.6pp YoY
+0.5pp QoQ
 +5.3pp 11.6% 8.4% 12.5% 82%
CRE n/a n/a 39.5% 42.8% 41.4% n/a
1-4 Family 11.7%
+1.0pp YoY
+1.1pp QoQ
 -20.9pp 32.6% 33.0% 31.3% 14%
Consumer 4.5%
-0.3pp YoY
-0.2pp QoQ
 +0.4pp 4.1% 3.9% 5.0% 74%

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 13.2%
+0.5pp YoY
+0.1pp QoQ
 +1.1pp 12.2% 12.5% 12.6% 77%
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 22
+1 (+4.8%) YoY
+1 (+4.8%) QoQ
 -37 58 107 482 14%
Assets per Employee ($) $5.8M
+3.4% YoY
-2.8% QoQ
 -$1.8M $7.5M $7.8M $8.8M 28%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

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 1.7%
-0.4pp YoY
-0.1pp QoQ
 +0.8pp 0.9% 0.8% 1.0% 84%
Allowance Coverage 0.95x
+38.2% YoY
+7.4% QoQ
 -23.21x 24.15x 12.16x 20.23x 25%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 12.4%
-9.1pp YoY
-0.2pp QoQ
 +0.2pp 12.2% 9.7% 11.6% 52%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 44%
Net Income ($, YTD) $960,000
-29.8% YoY
— QoQ
 -$1.6M $2.6M $5.4M $40.4M 25%

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)

Margin Compression

decline
#95 of 307 • Bottom 30.6% 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: 1.54%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#102 of 138 • Bottom 73.2% 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: 64.31%
(Tier: 64.48%, National: 70.05%)
better 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 (1 metrics)

308
Loan-to-Deposit Ratio
liquidity
Value: 54.01%
Peer Median: 77.95%
#308 of 2643 Top 11.6% in $100M-$1B

Top Weaknesses (4 metrics)

2523
Total Loans
size
Value: $59.37M
Peer Median: $258.35M
#2523 of 2643 Bottom 4.6% in $100M-$1B
2445
Total Assets
size
Value: $126.52M
Peer Median: $386.57M
#2445 of 2643 Bottom 7.5% in $100M-$1B
2414
Total Deposits
size
Value: $109.91M
Peer Median: $326.73M
#2414 of 2643 Bottom 8.7% in $100M-$1B
2220
Delinquency Rate
credit_quality
Value: 1.74%
Peer Median: 0.92%
#2220 of 2633 Bottom 15.7% in $100M-$1B
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