BlastPoint's Banking Scorecard

The Eastern Colorado Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 16125

Cheyenne Wells, CO

8 branches across CO · KS

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 +5.1% year over year ($603.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.15%.
Efficiency ratio 67.56% vs a 64.48% peer average.
Loan-to-deposit ratio 74.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

The Eastern Colorado Bank has 2 strengths but faces 3 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 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Net Interest Margin 0.17% below tier average
- Efficiency Ratio 3.08% above tier average

Get updates when The Eastern Colorado Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$720.9M +5.6% YoY +0.6% QoQ	+$334.3M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Top 11.7% in tier
Total Loans ?	$448.4M -6.1% YoY -2.5% QoQ	+$190.1M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$603.0M +5.1% YoY -0.3% QoQ	+$276.3M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 12.0% in tier
Return on Assets ?	1.15% -1.0% YoY -8.1% QoQ	-0.17%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.81% +3.2% YoY -0.1% QoQ	-0.17%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	67.56% +5.4% YoY +3.4% QoQ	+3.08%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	35%
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 ?	74.36% -10.6% YoY -2.2% QoQ	-3.59%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	27.97% +16.6% YoY +12.6% QoQ	+5.94%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	76%
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 ?	14.22% +14.4% YoY +7.8% QoQ	-1.69%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.17% +5.0% YoY +69.8% QoQ	-0.40%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	39%

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	28.0% +4.0pp YoY +3.1pp QoQ	+5.8pp	22.1%	23.5%	22.2%	76%
Brokered Deposits	2.8% -1.5pp YoY 0.0pp QoQ	-5.0pp	7.9%	7.4%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	4.7% +1.1pp YoY +0.2pp QoQ	-6.8pp	11.6%	8.4%	12.5%	18%
CRE	44.3% -6.2pp YoY -1.0pp QoQ	+4.7pp	39.5%	42.8%	41.4%	61%
1-4 Family	12.6% +0.7pp YoY 0.0pp QoQ	-20.0pp	32.6%	33.0%	31.3%	15%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	3.9%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	14.2% +1.8pp YoY +1.0pp QoQ	-4.6pp	18.8%	24.9%	19.7%	41%
Leverage Ratio	11.3% +0.9pp YoY +0.6pp QoQ	-0.9pp	12.2%	12.5%	12.6%	55%
Total Capital Ratio	15.4% +1.9pp YoY +1.0pp QoQ	-4.6pp	19.9%	26.1%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	82 +2 (+2.5%) YoY +3 (+3.8%) QoQ	+23	58	107	482	78%
Assets per Employee ($)	$8.8M +3.0% YoY -3.0% QoQ	+$1.3M	$7.5M	$7.8M	$8.8M	77%
Branch Count	8 +1 (+14.3%) YoY 0 QoQ	+3	4	7	18	82%

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 YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	10.6% -0.9pp YoY -1.2pp QoQ	-1.6pp	12.2%	9.7%	11.6%	41%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.7%	1.7%	64%
Net Income ($, YTD)	$4.1M +4.0% YoY — QoQ	+$1.6M	$2.6M	$5.4M	$40.4M	81%

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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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

310

Total Assets

size

Value: $720.86M

Peer Median: $386.57M

#310 of 2643 Top 11.7% in $100M-$1B

319

Total Deposits

size

Value: $603.05M

Peer Median: $326.73M

#319 of 2643 Top 12.0% in $100M-$1B

432

Total Loans

size

Value: $448.43M

Peer Median: $258.35M

#432 of 2643 Top 16.3% in $100M-$1B

634

Non-Interest-Bearing Deposit Share

funding

Value: 27.97%

Peer Median: 22.03%

#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available