BlastPoint's Banking Scorecard
The Farmers State Bank of Brush
Brush, CO
3 branches across CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +4.8% year over year ($93.1M on the books).
- Delinquency rate 0.13%.
- Return on assets 0.78%.
- Efficiency ratio 76.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.04% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank of Brush has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.7% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.14% below tier average
- - Efficiency Ratio 12.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.6M
+2.5% YoY
+3.8% QoQ
|
-$270.0M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.7% in tier |
| Total Loans ? |
$69.9M
+4.4% YoY
+5.4% QoQ
|
-$188.5M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.2% in tier |
| Total Deposits ? |
$93.1M
+4.8% YoY
+7.0% QoQ
|
-$233.6M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.6% in tier |
| Return on Assets ? |
0.78%
+78.6% YoY
+4.8% QoQ
|
-0.55% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.85%
+21.6% YoY
+4.4% QoQ
|
-0.14% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
76.66%
-11.0% YoY
-0.8% QoQ
|
+12.18% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.13%
-13.6% YoY
-87.9% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
75.04%
-0.4% YoY
-1.5% QoQ
|
-2.91% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.62%
+3.9% YoY
-3.7% QoQ
|
+2.59% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.08%
-12.0% YoY
-87.8% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
20.13%
+2.3% YoY
-1.9% QoQ
|
+4.22% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Top 13.3% in tier |
| Non-Interest Income / Assets ? |
0.28%
+4.7% YoY
+94.4% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.6%
+0.9pp YoY -0.9pp QoQ |
+2.5pp | 22.1% | 23.5% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.0%
+3.2pp YoY +2.2pp QoQ |
+0.5pp | 11.6% | 8.4% | 12.5% | 64% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
6.3%
+0.8pp YoY -0.2pp QoQ |
-26.4pp | 32.6% | 33.0% | 31.3% | 6% |
| Consumer |
2.4%
+0.1pp YoY 0.0pp QoQ |
-1.7pp | 4.1% | 3.9% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
20.1%
+0.5pp YoY -0.4pp QoQ |
+8.0pp | 12.2% | 12.5% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+3 (+14.3%) YoY 0 QoQ |
-35 | 58 | 107 | 482 | 17% |
| Assets per Employee ($) |
$4.9M
-10.3% YoY +3.8% QoQ |
-$2.7M | $7.5M | $7.8M | $8.8M | 12% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-1.0pp QoQ |
-0.2pp | 0.3% | 0.7% | 0.4% | 56% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
8.27x
+9.3% YoY +690.1% QoQ |
-15.88x | 24.15x | 12.16x | 20.23x | 79% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.0%
+1.6pp YoY +0.2pp QoQ |
-8.2pp | 12.2% | 9.7% | 11.6% | 10% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 22% |
| Net Income ($, YTD) |
$443,000
+78.6% YoY — QoQ |
-$2.1M | $2.6M | $5.4M | $40.4M | 9% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.