The Gunnison Bank and Trust Company: how it compares with its peers
Against 32 CO banks with half to twice its assets, The Gunnison Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.05% vs. a 1.08% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.05% | 1.08% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.35% | 4.11% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.06% | 67.86% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.8M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.51% | 84.71% | Context |
What it means for lending operations
Its efficiency ratio of 51.06% is better than the 67.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank in Trinidad Trinidad, CO · $251M
- First Pioneer National Bank Wray, CO · $243M
- North Valley Bank Thornton, CO · $269M
- Home Loan State Bank Grand Junction, CO · $235M
- First American State Bank Greenwood Village, CO · $277M
- The Citizens State Bank of Ouray Ouray, CO · $231M
Questions about The Gunnison Bank and Trust Company
How big is The Gunnison Bank and Trust Company?
The Gunnison Bank and Trust Company, established in 1910, is headquartered in Gunnison, CO. It reported $255M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Gunnison Bank and Trust Company's return on assets?
2.05% annualized in Q2 2026, against a 1.08% median for 32 CO banks with half to twice its assets, ahead of 91% of them.
What is The Gunnison Bank and Trust Company's efficiency ratio?
51.06% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 67.86%, and lower is better.
Is The Gunnison Bank and Trust Company growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.