BlastPoint's Banking Scorecard
McClave State Bank
Designations: ✓ Community bank
Mcclave, CO
2 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 536 banks in the under $100M peer group nationwide — 1 of 6 in CO.
- Deposits -0.2% year over year ($65.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.81%.
- Efficiency ratio 50.28% vs a 119.40% peer average.
- Loan-to-deposit ratio 103.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
McClave State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 69.11% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.81% above tier average
- + Net Interest Margin 1.06% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.74% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.9M
-0.1% YoY
-0.2% QoQ
|
+$16.5M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$68.1M
-1.1% YoY
+5.0% QoQ
|
+$33.2M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Top 6.7% in tier |
| Total Deposits ? |
$65.5M
-0.2% YoY
-0.9% QoQ
|
+$13.9M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.81%
+20.9% YoY
+4.6% QoQ
|
+0.81% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.98%
+2.3% YoY
+3.4% QoQ
|
+1.06% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Top 13.8% in tier |
| Efficiency Ratio ? |
50.28%
+0.6% YoY
-1.5% QoQ
|
-69.11% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Top 9.9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
103.95%
-0.9% YoY
+5.9% QoQ
|
+29.74% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.48%
+13.5% YoY
-6.9% QoQ
|
-13.01% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.04%
+9.4% YoY
+8.2% QoQ
|
-13.08% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.08%
+24.6% YoY
+91.1% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
10.5%
+1.2pp YoY -0.8pp QoQ |
-14.2pp | 24.6% | 23.5% | 22.2% | 11% |
| Brokered Deposits |
14.9%
-5.5pp YoY +0.3pp QoQ |
+5.1pp | 9.8% | 7.4% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.3%
-1.3pp YoY +0.4pp QoQ |
-4.1pp | 13.4% | 8.4% | 12.5% | 48% |
| CRE |
11.8%
+1.2pp YoY -1.3pp QoQ |
-13.4pp | 25.2% | 42.8% | 41.4% | 16% |
| 1-4 Family |
11.5%
+2.1pp YoY -0.8pp QoQ |
-23.5pp | 35.0% | 33.0% | 31.3% | 24% |
| Consumer |
1.3%
+0.3pp YoY -0.1pp QoQ |
-6.3pp | 7.7% | 3.9% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
14.0%
+1.2pp YoY +1.1pp QoQ |
-3.7pp | 17.7% | 12.5% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 39.7% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-1 (-8.3%) YoY -1 (-8.3%) QoQ |
-1 | 12 | 107 | 482 | 50% |
| Assets per Employee ($) |
$7.2M
+9.0% YoY +8.8% QoQ |
+$986K | $6.2M | $7.8M | $8.8M | 69% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+1.5pp YoY +0.2pp QoQ |
+7.3pp | 6.4% | 9.7% | 11.6% | 80% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY -0.1pp QoQ |
+1.1pp | 1.4% | 1.7% | 1.7% | 93% |
| Net Income ($, YTD) |
$732,000
+25.1% YoY — QoQ |
+$414K | $317,817 | $5.4M | $40.4M | 89% |
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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.