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

Stockmens Bank

Colorado Springs, Colorado · $651M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

12.5%
CRE / loans
1st of 12
99.4%
CRE / capital
1st of 12
98.1%
Loans / deposits
11th of 12

Stockmens Bank is the seventh largest of the 12 Colorado banks nearest its size between $300M and $1B, with $651M in assets at 30 June 2026. Loans are 98.1% of deposits, 11th of 12 against a median of 86.3%, and equity is 10.6% of assets, 6th of 12. Loans grew +23.0% in the year, 2nd of 12, and deposits grew 20.2%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.18% of the book, 7th of 12 against a median of 0.13%; 0.05% is 30 to 89 days past due, and the allowance covers them 8.7 times. Commercial real estate is 12.5% of loans, the lowest in the cohort against a median of 24.7%, and 99% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.49%, 7th of 12 against a median of 1.69%, on an efficiency ratio of 54.0%, 4th of 12. Five years ago it was 1.16%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 24.7% SB Stockmens Bank 12.5% FN First National Bank Colorado 17.8% MV Mountain Valley Bank 20.4% TB Timberline Bank 23.6% IB Integrity Bank & Trust 24.5% HP High Plains Bank 24.5% HC High Country Bank 24.9% EC Eastern Colorado Bank 34.0% FS First Southwest Bank 36.8% YV Yampa Valley Bank 40.9% PT PB & Trust Bank 48.5% AN Amg National Trust Bank 63.3%
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% IB Integrity Bank & Trust +1.4% AN Amg National Trust Bank -0.7% EC Eastern Colorado Bank -5.9%

SBA 7(a), FY2008 to FY2026

Stockmens Bank is the 154th largest 7(a) lender into Colorado of 401, with $6M across 5 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 6 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Weld, CO$4M42nd of 1060.6%quiet FY2022
El Paso, CO$3M72nd of 1640.2%quiet FY2010
Howard, TX$1M6th of 146.5%quiet FY2009
Greene, MO$597K54th of 800.1%quiet FY2008
Taney, MO$305K52nd of 590.2%quiet FY2012
Fremont, CO$244K23rd of 280.6%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services1$4M40.6%0.01%553rd of 1,955
Accommodation & food services3$2M17.9%0.00%1374th of 2,596
Construction1$2M17.4%0.00%1040th of 2,063
Retail trade4$1M13.9%0.00%1445th of 2,589
Information1$450K5.2%0.01%539th of 958
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Stockmens Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans SB Stockmens Bank 0.1% $6M · 5 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Stockmens BankRankCohort median
Total CRE against capital, the 300% screen99%1st of 12178%
Construction against capital, the 100% screen50%4th of 1254%
Construction and land development, share of loans6.3%1st of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans4.1%1st of 1213.2%
Total CRE, the guidance definition, share of loans12.5%1st of 1224.7%
CRE growth over 36 months, the third prong+5.6%3rd of 12+30.5%

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
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%
Integrity Bank & Trust$460M0.9%64.8%0.54%0.18%1.2%93.7%8.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stockmens BankCohort median
20212026Change20212026Change
Loans$325M$557M+71%$287M$450M+57%
Deposits$375M$567M+51%$403M$567M+41%
NPA / loans0.49%0.18%-0.31 pts0.06%0.13%+0.07 pts
Efficiency55.8%54.0%-1.8 pts57.9%64.1%+6.2 pts
ROA1.16%1.49%+0.33 pts1.64%1.69%+0.05 pts

This read was prepared for Stockmens 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 Stockmens 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.thestockmensbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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.
← Back to the catalogue