BlastPoint's Banking Scorecard
Alamosa State Bank
Alamosa, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits -0.0% year over year ($297.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.39%.
- Efficiency ratio 38.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Alamosa State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28.9% in tier
- + Efficiency Ratio 25.56% below tier average
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$340.3M
+1.0% YoY
+4.3% QoQ
|
-$46.3M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$176.8M
+5.2% YoY
+3.4% QoQ
|
-$81.6M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$297.8M
-0.0% YoY
+5.1% QoQ
|
-$28.9M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
2.39%
+9.2% YoY
+3.2% QoQ
|
+1.07% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Top 6.0% in tier |
| Net Interest Margin ? |
4.02%
+6.5% YoY
+1.8% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
38.92%
-4.1% YoY
-1.8% QoQ
|
-25.56% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Top 3.1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
59.36%
+5.3% YoY
-1.6% QoQ
|
-18.60% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
25.53%
-3.2% YoY
-1.8% QoQ
|
+3.50% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.11%
+3.8% YoY
-0.9% QoQ
|
+6.20% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.09%
-0.0% YoY
+108.6% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
25.5%
-0.8pp YoY -0.5pp QoQ |
+3.4pp | 22.1% | 23.5% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.6%
+0.3pp YoY -0.6pp QoQ |
-4.0pp | 11.6% | 8.4% | 12.5% | 36% |
| CRE |
27.9%
+0.4pp YoY +0.7pp QoQ |
-11.6pp | 39.5% | 42.8% | 41.4% | 31% |
| 1-4 Family |
21.5%
+0.1pp YoY -0.9pp QoQ |
-11.1pp | 32.6% | 33.0% | 31.3% | 33% |
| Consumer |
4.1%
-0.6pp YoY -0.1pp QoQ |
0.0pp | 4.1% | 3.9% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.1%
+0.8pp YoY -0.2pp QoQ |
+3.3pp | 18.8% | 24.9% | 19.7% | 83% |
| Leverage Ratio |
12.9%
+0.7pp YoY +0.2pp QoQ |
+0.7pp | 12.2% | 12.5% | 12.6% | 74% |
| Total Capital Ratio |
23.3%
+0.9pp YoY -0.2pp QoQ |
+3.4pp | 19.9% | 26.1% | 20.8% | 83% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+2 (+6.5%) YoY +2 (+6.5%) QoQ |
-26 | 58 | 107 | 482 | 31% |
| Assets per Employee ($) |
$10.3M
-5.1% YoY -2.0% QoQ |
+$2.8M | $7.5M | $7.8M | $8.8M | 87% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.6%
-0.4pp YoY +0.6pp QoQ |
+7.4pp | 12.2% | 9.7% | 11.6% | 87% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.7% | 1.7% | 6% |
| Net Income ($, YTD) |
$4.0M
+10.0% YoY — QoQ |
+$1.4M | $2.6M | $5.4M | $40.4M | 80% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.