BlastPoint's Banking Scorecard
The Colorado Bank and Trust Company of La Junta
La Junta, CO
5 branches across CO
The Colorado Bank and Trust Company of La Junta has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 27.2% in tier
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.2% in tier
- - Margin Compression: Bottom 38.4% in tier
- - Cost Spiral: Bottom 86.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$332.9M
+31.2% YoY
+5.3% QoQ
|
-$53.2M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$243.5M
+37.9% YoY
+7.7% QoQ
|
-$12.2M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$283.8M
+36.9% YoY
+5.9% QoQ
|
-$44.2M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.00%
-36.1% YoY
-37.2% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
5.03%
-0.5% YoY
-3.2% QoQ
|
+1.10% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 6.8% in tier |
| Efficiency Ratio ? |
70.59%
+13.1% YoY
+12.8% QoQ
|
+5.30% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.20%
+20.3% YoY
+12.1% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
85.81%
+0.7% YoY
+1.7% QoQ
|
+9.17% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
35.82%
+9.2% YoY
-1.9% QoQ
|
+13.80% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
Top 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+26.5% YoY
+14.6% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
10.41%
-16.3% YoY
-6.0% QoQ
|
-5.42% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.18%
-22.7% YoY
-76.0% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
81% |
Get Full Access to The Colorado Bank and Trust Company of La Junta
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.