BlastPoint's Banking Scorecard
The Eastern Colorado Bank
Cheyenne Wells, CO
8 branches across CO · KS
The Eastern Colorado Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 0.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$716.3M
+4.9% YoY
+1.6% QoQ
|
+$330.2M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Top 11.9% in tier |
| Total Loans ? |
$459.8M
-6.3% YoY
-3.4% QoQ
|
+$204.1M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Top 14.8% in tier |
| Total Deposits ? |
$604.8M
+5.1% YoY
+1.8% QoQ
|
+$276.8M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Top 12.0% in tier |
| Return on Assets ? |
1.25%
+2.7% YoY
+8.4% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.82%
+4.6% YoY
+1.1% QoQ
|
-0.11% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
65.34%
+0.7% YoY
-1.7% QoQ
|
+0.06% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
76.04%
-10.8% YoY
-5.1% QoQ
|
-0.60% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
24.84%
+0.6% YoY
-20.6% QoQ
|
+2.83% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? |
13.19%
+8.3% YoY
+2.8% QoQ
|
-2.64% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.10%
+8.2% YoY
-67.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
50% |
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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.
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Metric Rankings
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