BlastPoint's Banking Scorecard

Alamosa State Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 13947

Alamosa, CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Alamosa State Bank demonstrates 4 strengths

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

+ Profitability Leader: Top 41.0% in tier
+ Efficiency Ratio 25.67% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Alamosa 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 ?	$326.2M +0.7% YoY -3.6% QoQ	-$59.9M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$171.0M +1.3% YoY -1.3% QoQ	-$84.7M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$283.5M -0.7% YoY -4.2% QoQ	-$44.5M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	2.31% +6.8% YoY +11.3% QoQ	+1.05%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 6.9% in tier
Net Interest Margin ?	3.95% +6.1% YoY +2.6% QoQ	+0.02%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	39.62% -1.4% YoY -11.2% QoQ	-25.67%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 3.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.33% +2.0% YoY +3.1% QoQ	-16.31%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	25.99% +3.7% YoY -0.4% QoQ	+3.97%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.31% +6.9% YoY +2.8% QoQ	+6.48%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Top 9.6% in tier
Non-Interest Income / Assets ?	0.04% -2.8% YoY -76.7% QoQ	-0.24%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	16%

Get Full Access to Alamosa State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (1)

Profitability Leader

growth

#274 of 666 • Top 41.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

102

Efficiency Ratio

profitability

Value: 39.62%

Peer Median: 65.29%

#102 of 2664 Top 3.8% in $100M-$1B

185

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.27%

#185 of 2664 Top 6.9% in $100M-$1B

256

Tier 1 Capital Ratio

capital

Value: 22.31%

Peer Median: 15.83%

#256 of 2664 Top 9.6% in $100M-$1B

505

Loan-to-Deposit Ratio

liquidity

Value: 60.33%

Peer Median: 76.64%

#505 of 2664 Top 18.9% in $100M-$1B

Top Weaknesses (1 metrics)

2232

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2232 of 2664 Bottom 16.3% in $100M-$1B