RG Bank, A Savings and Loan Association: how it compares with its peers
Against 21 CO banks with half to twice its assets, RG Bank, A Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (4.16% vs. a 4.13% peer median). Its weakest relative measure is efficiency ratio (83.81% vs. 67.89%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 1.02% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 4.13% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.81% | 67.89% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $5.8M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.58% | 75.64% | Context |
What it means for lending operations
Its efficiency ratio of 83.81% is above the 67.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Evergreen National Bank Evergreen, CO · $140M
- Rocky Mountain Bank & Trust Florence, CO · $127M
- Fowler State Bank Fowler, CO · $155M
- Del Norte Bank Del Norte, CO · $155M
- The Farmers State Bank of Brush Brush, CO · $117M
- First National Bank, Cortez Cortez, CO · $157M
Questions about RG Bank, A Savings and Loan Association
How big is RG Bank, A Savings and Loan Association?
RG Bank, A Savings and Loan Association, established in 1905, is headquartered in Monte Vista, CO. It reported $137M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is RG Bank, A Savings and Loan Association's return on assets?
0.60% annualized in Q2 2026, against a 1.02% median for 21 CO banks with half to twice its assets, ahead of 29% of them.
What is RG Bank, A Savings and Loan Association's efficiency ratio?
83.81% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 67.89%, and lower is better.
Is RG Bank, A Savings and Loan Association growing its loans?
Net loans grew 0.7% over the year to Q2 2026, while deposits shrank 0.7%.
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.