Champion Bank: how it compares with its peers
Against 396 U.S. banks with half to twice its assets, Champion Bank's strongest measure in Q2 2026 is net interest margin (3.88% vs. a 3.86% peer median). Its weakest relative measure is return on assets (-2.12% vs. 0.99%).
| Measure | Champion Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.12% | 0.99% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.86% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 140.64% | 71.24% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.2M | $5.8M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.65% | 63.78% | Context |
What it means for lending operations
Its efficiency ratio of 140.64% is above the 71.24% 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
- Ventura National Bank & Trust Harveyville, KS · $42M
- North Side Federal Savings and Loan Association of Chicago Chicago, IL · $42M
- Citizens Federal Savings and Loan Association Covington, KY · $42M
- The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX · $42M
- Community State Bank Paton, IA · $41M
- Cornerstone Bank Clarinda, IA · $42M
Questions about Champion Bank
How big is Champion Bank?
Champion Bank, established in 2002, is headquartered in Parker, CO. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Champion Bank's return on assets?
-2.12% annualized in Q2 2026, against a 0.99% median for 396 U.S. banks with half to twice its assets, ahead of 4% of them.
What is Champion Bank's efficiency ratio?
140.64% in Q2 2026: it spent about 141 cents in noninterest expense for each dollar of revenue. The peer median is 71.24%, and lower is better.
Is Champion Bank growing its loans?
Net loans shrank 7.5% over the year to Q2 2026, while deposits shrank 20.5%.
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 U.S. 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.