BlastPoint's Banking Scorecard
Transact Bank, National Association
Designations: ✓ Community bank
Denver, CO
Transact Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Non-Interest Income / Assets 6.67% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 9.03% above tier average
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
|
-$55.3M |
$62.2M
-0.6% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.7% in tier |
| Total Loans ? |
$2.3M
-5.0% YoY
-1.3% QoQ
|
-$32.0M |
$34.2M
-1.4% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$5.5M
+11.8% YoY
+5.8% QoQ
|
-$46.3M |
$51.7M
-0.7% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.5% in tier |
| Return on Assets ? |
0.83%
+146.9% YoY
+208.2% QoQ
|
+0.00% |
0.84%
-2.3% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
2.95%
-23.2% YoY
-12.6% QoQ
|
-0.91% |
3.86%
+2.8% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
15% |
| Efficiency Ratio ? |
97.37%
-8.5% YoY
-5.2% QoQ
|
+9.03% |
88.34%
+0.3% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
41.62%
-15.0% YoY
-6.8% QoQ
|
-22.60% |
64.22%
-0.7% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
33.00%
-10.5% YoY
-8.0% QoQ
|
+9.28% |
23.71%
+0.3% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
39.57%
+5.2% YoY
+2.9% QoQ
|
+12.88% |
26.68%
+2.0% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Top 10.5% in tier |
| Non-Interest Income / Assets ? |
7.34%
+14.5% YoY
-72.1% QoQ
|
+6.67% |
0.67%
+1.9% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
Top 2.0% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.