Rocky Mountain Bank & Trust: how it compares with its peers
Against 19 CO banks with half to twice its assets, Rocky Mountain Bank & Trust's strongest measure in Q2 2026 is return on assets (1.54% vs. a 0.78% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $5.9M).
| Measure | Rocky Mountain Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 0.78% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.13% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.31% | 71.45% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $5.9M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.01% | 75.64% | Context |
What it means for lending operations
Its efficiency ratio of 64.31% is better than the 71.45% 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 Farmers State Bank of Brush Brush, CO · $117M
- RG Bank, A Savings and Loan Association Monte Vista, CO · $137M
- Evergreen National Bank Evergreen, CO · $140M
- Pikes Peak National Bank Colorado Springs, CO · $111M
- Gunnison Savings and Loan Association Gunnison, CO · $102M
- Fowler State Bank Fowler, CO · $155M
Questions about Rocky Mountain Bank & Trust
How big is Rocky Mountain Bank & Trust?
Rocky Mountain Bank & Trust, established in 1900, is headquartered in Florence, CO. It reported $127M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Rocky Mountain Bank & Trust's return on assets?
1.54% annualized in Q2 2026, against a 0.78% median for 19 CO banks with half to twice its assets, ahead of 84% of them.
What is Rocky Mountain Bank & Trust's efficiency ratio?
64.31% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 71.45%, and lower is better.
Is Rocky Mountain Bank & Trust growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 7.0%.
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.