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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Eastern Colorado Bank

Cheyenne Wells, Colorado · $721M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

0.00%
NPA / loans
1st of 12
-5.9%
Loans, year over year
12th of 12, largest first
11.3%
Equity / assets
3rd of 12

Eastern Colorado Bank is the fifth largest of the 12 Colorado banks nearest its size between $300M and $1B, with $721M in assets at 30 June 2026. Loans are 75.4% of deposits, 4th of 12 against a median of 83.4%, and equity is 11.3% of assets, 3rd of 12. Loans grew -5.9% in the year, the slowest in the cohort, and deposits grew 5.1%; the cohort's median loan growth is +5.3%.

Nothing on the book is noncurrent; 0.06% is 30 to 89 days past due, and the allowance is 1.4% of loans, 4th of 12. Commercial real estate is 34.0% of loans, 8th of 12 against a median of 25.9%, and 175% of capital, below the 300% screen, with construction at 38% against the 100% screen.

Return on assets is 1.13%, 9th of 12 against a median of 1.69%, on an efficiency ratio of 67.6%, 8th of 12. Five years ago it was 1.70%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.07% EC Eastern Colorado Bank 0.00% FN First National Bank Colorado 0.00% AN Amg National Trust Bank 0.04% FS First Southwest Bank 0.04% PW Points West Community Bank 0.06% TB Timberline Bank 0.06% YV Yampa Valley Bank 0.09% SB Stockmens Bank 0.18% MV Mountain Valley Bank 0.19% PT PB & Trust Bank 0.54% HP High Plains Bank 0.70% HC High Country Bank 1.34%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% FS First Southwest Bank +8.7% TB Timberline Bank +6.4% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% AN Amg National Trust Bank -0.7% PW Points West Community Bank -1.2% EC Eastern Colorado Bank -5.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Eastern Colorado BankRankCohort median
Total CRE against capital, the 300% screen175%7th of 12165%
Construction against capital, the 100% screen38%3rd of 1254%
Construction and land development, share of loans7.3%3rd of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans23.6%10th of 1213.7%
Total CRE, the guidance definition, share of loans34.0%8th of 1225.9%
CRE growth over 36 months, the third prong-11.9%2nd of 12+30.5%
Commercial real estate against capital, the 300% screenCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 165% SB Stockmens Bank 99% FN First National Bank Colorado 101% FS First Southwest Bank 121% MV Mountain Valley Bank 144% AN Amg National Trust Bank 149% PW Points West Community Bank 155% EC Eastern Colorado Bank 175% TB Timberline Bank 180% HP High Plains Bank 197% HC High Country Bank 219% PT PB & Trust Bank 317% YV Yampa Valley Bank 342%
CRE growth over 36 months, the guidance's third prongCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +30.5% HC High Country Bank -12.3% EC Eastern Colorado Bank -11.9% SB Stockmens Bank +5.6% TB Timberline Bank +5.6% FN First National Bank Colorado +18.4% MV Mountain Valley Bank +24.4% PT PB & Trust Bank +36.6% PW Points West Community Bank +40.6% HP High Plains Bank +45.1% YV Yampa Valley Bank +49.5% AN Amg National Trust Bank +65.8% FS First Southwest Bank +68.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Points West Community Bank$878M1.4%63.1%0.06%0.00%1.9%61.0%7.9%
Timberline Bank$833M2.1%49.4%0.06%0.01%1.2%92.9%8.2%
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Eastern Colorado BankCohort median
20212026Change20212026Change
Loans$351M$455M+30%$300M$459M+53%
Deposits$458M$603M+32%$443M$580M+31%
NPA / loans0.00%0.00%+0.00 pts0.06%0.07%+0.01 pts
Efficiency57.6%67.6%+10.0 pts57.1%63.3%+6.2 pts
ROA1.70%1.13%-0.57 pts1.65%1.69%+0.04 pts

This read was prepared for Eastern Colorado Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Eastern Colorado Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CO banks $300M to $1B
Institution www.yourfriendlybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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