BlastPoint's Banking Scorecard
McClave State Bank
Designations: ✓ Community bank
Mcclave, CO
2 branches across CO
McClave State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.95% above tier average
- + Efficiency Ratio 36.58% below tier average
- + Delinquency Rate 0.95% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.01% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.1M
+3.5% YoY
-6.3% QoQ
|
+$16.8M |
$62.3M
-0.5% YoY
|
$902.4M
+10.4% YoY
|
$6.2B
+9.0% YoY
|
70% |
| Total Loans ? |
$64.8M
+1.1% YoY
-8.4% QoQ
|
+$30.5M |
$34.3M
-1.5% YoY
|
$622.8M
+11.0% YoY
|
$3.2B
+10.7% YoY
|
Top 8.0% in tier |
| Total Deposits ? |
$66.1M
+2.5% YoY
-7.7% QoQ
|
+$14.3M |
$51.8M
-0.6% YoY
|
$761.8M
+9.5% YoY
|
$4.8B
+8.0% YoY
|
68% |
| Return on Assets ? |
1.73%
+13.5% YoY
+22.7% QoQ
|
+0.88% |
0.86%
-3.6% YoY
|
0.93%
+13.2% YoY
|
1.24%
+13.1% YoY
|
84% |
| Net Interest Margin ? |
4.81%
+1.1% YoY
+1.7% QoQ
|
+0.95% |
3.87%
+2.7% YoY
|
4.00%
+4.6% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
51.05%
+4.4% YoY
-6.1% QoQ
|
-36.58% |
87.63%
+2.3% YoY
|
74.16%
-3.6% YoY
|
66.84%
-3.8% YoY
|
Top 11.2% in tier |
| Delinquency Rate ? |
0.41%
-62.3% QoQ
|
-0.95% |
1.36%
+33.7% YoY
|
0.67%
-9.0% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
98.12%
-1.4% YoY
-0.8% QoQ
|
+34.01% |
64.11%
-0.9% YoY
|
78.28%
+0.7% YoY
|
76.69%
+0.9% YoY
|
Bottom 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.25%
-10.3% YoY
-7.9% QoQ
|
-12.54% |
23.79%
+0.5% YoY
|
23.78%
-3.2% YoY
|
22.01%
-1.1% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.34%
-63.2% QoQ
|
-0.43% |
0.77%
+28.7% YoY
|
0.50%
-1.5% YoY
|
0.66%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.98%
+1.8% YoY
+1.2% QoQ
|
-13.80% |
26.77%
+2.0% YoY
|
21.83%
+3.3% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.04%
+23.7% YoY
-69.2% QoQ
|
-0.63% |
0.67%
+1.6% YoY
|
0.26%
+12.1% YoY
|
0.32%
+4.0% YoY
|
32% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.