BlastPoint's Banking Scorecard

McClave State Bank

under $100M Specialty: Agricultural CO FDIC cert 11261

Designations: ✓ Community bank

Mcclave, CO

2 branches across CO

541 banks in the under $100M peer group nationally 6 in CO

McClave State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.90% above tier average
+ Net Interest Margin 0.95% above tier average
+ Efficiency Ratio 37.29% below tier average
+ Delinquency Rate 0.96% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 33.90% above tier average

Get updates when McClave State Bank releases new data →

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	+$16.9M	$62.2M -0.6% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$64.8M +1.1% YoY -8.4% QoQ	+$30.6M	$34.2M -1.4% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	Top 7.9% in tier
Total Deposits ?	$66.1M +2.5% YoY -7.7% QoQ	+$14.3M	$51.7M -0.7% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.73% +13.5% YoY +22.7% QoQ	+0.90%	0.84% -2.3% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.81% +1.1% YoY +1.7% QoQ	+0.95%	3.86% +2.8% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	51.05% +4.4% YoY -6.1% QoQ	-37.29%	88.34% +0.3% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 11.1% in tier
Delinquency Rate ?	0.41% -62.3% QoQ	-0.96%	1.37% +33.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	98.12% -1.4% YoY -0.8% QoQ	+33.90%	64.22% -0.7% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ?	11.25% -10.3% YoY -7.9% QoQ	-12.47%	23.71% +0.3% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.34% -63.2% QoQ	-0.45%	0.79% +28.2% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	12.98% +1.8% YoY +1.2% QoQ	-13.71%	26.68% +2.0% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.04% +23.7% YoY -69.2% QoQ	-0.63%	0.67% +1.9% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $64.84M

Peer Median: $34.25M

#44 of 541 Top 7.9% in under $100M

Efficiency Ratio

profitability

Value: 51.05%

Peer Median: 88.34%

#61 of 541 Top 11.1% in under $100M

Return on Assets

profitability

Value: 1.73%

Peer Median: 0.84%

#85 of 541 Top 15.5% in under $100M

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.86%

#88 of 541 Top 16.1% in under $100M

Top Weaknesses (2 metrics)

496

Loan-to-Deposit Ratio

liquidity

Value: 98.12%

Peer Median: 64.22%

#496 of 541 Bottom 8.5% in under $100M

451

Non-Interest-Bearing Deposit Share

funding

Value: 11.25%

Peer Median: 23.71%

#451 of 541 Bottom 16.8% in under $100M