BlastPoint's Banking Scorecard

Transact Bank, National Association

under $100M Specialty: Commercial CO FDIC cert 13986

Designations: ✓ Community bank

Denver, CO

537 banks in the under $100M peer group nationally 6 in CO

Transact Bank, National Association has 3 strengths but faces 2 concerns

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Non-Interest Income / Assets 6.67% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.92% below tier average
- Efficiency Ratio 9.74% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$6.9M +5.0% YoY +4.3% QoQ	-$55.4M	$62.3M -0.5% YoY	$902.4M +10.4% YoY	$6.2B +9.0% YoY	Bottom 0.6% in tier
Total Loans ?	$2.3M -5.0% YoY -1.3% QoQ	-$32.0M	$34.3M -1.5% YoY	$622.8M +11.0% YoY	$3.2B +10.7% YoY	Bottom 4.1% in tier
Total Deposits ?	$5.5M +11.8% YoY +5.8% QoQ	-$46.4M	$51.8M -0.6% YoY	$761.8M +9.5% YoY	$4.8B +8.0% YoY	Bottom 3.4% in tier
Return on Assets ?	0.83% +146.9% YoY +208.2% QoQ	-0.02%	0.86% -3.6% YoY	0.93% +13.2% YoY	1.24% +13.1% YoY	44%
Net Interest Margin ?	2.95% -23.2% YoY -12.6% QoQ	-0.92%	3.87% +2.7% YoY	4.00% +4.6% YoY	3.89% +5.7% YoY	Bottom 14.7% in tier
Efficiency Ratio ?	97.37% -8.5% YoY -5.2% QoQ	+9.74%	87.63% +2.3% YoY	74.16% -3.6% YoY	66.84% -3.8% YoY	Bottom 14.3% in tier
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.67% -9.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	41.62% -15.0% YoY -6.8% QoQ	-22.49%	64.11% -0.9% YoY	78.28% +0.7% YoY	76.69% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	33.00% -10.5% YoY -8.0% QoQ	+9.21%	23.79% +0.5% YoY	23.78% -3.2% YoY	22.01% -1.1% YoY	81%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.50% -1.5% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	39.57% +5.2% YoY +2.9% QoQ	+12.79%	26.77% +2.0% YoY	21.83% +3.3% YoY	17.06% +0.8% YoY	Top 10.6% in tier
Non-Interest Income / Assets ?	7.34% +14.5% YoY -72.1% QoQ	+6.67%	0.67% +1.6% YoY	0.26% +12.1% YoY	0.32% +4.0% YoY	Top 2.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched strength signatures this quarter

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 537 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 7.34%

Peer Median: 0.67%

#12 of 537 Top 2.0% in under $100M

Tier 1 Capital Ratio

capital

Value: 39.57%

Peer Median: 26.77%

#58 of 537 Top 10.6% in under $100M

105

Non-Interest-Bearing Deposit Share

funding

Value: 33.00%

Peer Median: 23.79%

#105 of 537 Top 19.4% in under $100M

112

Loan-to-Deposit Ratio

liquidity

Value: 41.62%

Peer Median: 64.11%

#112 of 537 Top 20.7% in under $100M

Top Weaknesses (5 metrics)

535

Total Assets

size

Value: $6.88M

Peer Median: $62.28M

#535 of 537 Bottom 0.6% in under $100M

520

Total Deposits

size

Value: $5.46M

Peer Median: $51.83M

#520 of 537 Bottom 3.4% in under $100M

516

Total Loans

size

Value: $2.27M

Peer Median: $34.29M

#516 of 537 Bottom 4.1% in under $100M

461

Efficiency Ratio

profitability

Value: 97.37%

Peer Median: 87.63%

#461 of 537 Bottom 14.3% in under $100M

459

Net Interest Margin

profitability

Value: 2.95%

Peer Median: 3.87%

#459 of 537 Bottom 14.7% in under $100M