BlastPoint's Banking Scorecard
Transact Bank, National Association
Designations: ✓ Community bank
Denver, 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 +8.1% year over year ($5.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.33%.
- Efficiency ratio 99.01% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.92% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Transact Bank, National Association has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 18.69% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 15.02% above tier average
- + Efficiency Ratio 20.38% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Net Interest Margin 1.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.5M
+3.6% YoY
-5.9% QoQ
|
-$56.0M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.6% in tier |
| Total Loans ? |
$2.2M
-5.2% YoY
-1.5% QoQ
|
-$32.7M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$5.1M
+8.1% YoY
-6.6% QoQ
|
-$46.5M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
0.33%
+115.5% YoY
-60.2% QoQ
|
-0.67% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
2.85%
-22.3% YoY
-3.3% QoQ
|
-1.06% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio ? |
99.01%
-8.0% YoY
+1.7% QoQ
|
-20.38% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
43.92%
-12.4% YoY
+5.5% QoQ
|
-30.29% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
42.18%
+14.7% YoY
+27.8% QoQ
|
+18.69% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 7.1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
40.68%
+10.3% YoY
+2.8% QoQ
|
+13.56% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Top 10.6% in tier |
| Non-Interest Income / Assets ? |
16.40%
+22.4% YoY
+123.5% QoQ
|
+15.02% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 2.1% in tier |
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 |
42.2%
+5.4pp YoY +9.2pp QoQ |
+17.5pp | 24.6% | 23.5% | 22.2% | 92% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 8.4% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 42.8% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 33.0% | 31.3% | n/a |
| Consumer | n/a | n/a | 7.7% | 3.9% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
40.7%
+3.8pp YoY +1.1pp QoQ |
+2.0pp | 38.7% | 24.9% | 19.7% | 81% |
| Leverage Ratio |
16.3%
+0.5pp YoY +0.1pp QoQ |
-1.4pp | 17.7% | 12.5% | 12.6% | 76% |
| Total Capital Ratio |
40.7%
+3.8pp YoY +1.1pp QoQ |
+1.0pp | 39.7% | 26.1% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-2 (-22.2%) YoY 0 QoQ |
-5 | 12 | 107 | 482 | 20% |
| Assets per Employee ($) |
$925,000
+33.2% YoY -5.9% QoQ |
-$5.3M | $6.2M | $7.8M | $8.8M | 2% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.1%
+15.1pp YoY -3.2pp QoQ |
-4.3pp | 6.4% | 9.7% | 11.6% | 19% |
| Cost of Funds (YTD) |
2.9%
-0.1pp YoY 0.0pp QoQ |
+1.5pp | 1.4% | 1.7% | 1.7% | 98% |
| Net Income ($, YTD) |
$11,000
+115.9% YoY — QoQ |
-$307K | $317,817 | $5.4M | $40.4M | 14% |
Get Full Access to Transact Bank, National Association
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.