BlastPoint's Banking Scorecard
Community 1st Bank Las Vegas
Designations: ✓ Minority Depository Institution
Las Vegas, NM
4 branches across NM
Community 1st Bank Las Vegas has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 9.5% in tier
- + ROA 0.80% above tier average
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio 15.24% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$292.3M
+0.5% YoY
+0.1% QoQ
|
-$93.8M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$90.0M
-0.7% YoY
-1.2% QoQ
|
-$165.7M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$265.7M
-0.9% YoY
-0.1% QoQ
|
-$62.3M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
2.07%
-1.0% YoY
-5.6% QoQ
|
+0.80% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 11.2% in tier |
| Net Interest Margin ? |
4.03%
+5.7% YoY
+2.2% QoQ
|
+0.10% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
50.05%
-2.2% YoY
+19.2% QoQ
|
-15.24% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? | 0.03% | -0.85% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
33.90%
+0.3% YoY
-1.1% QoQ
|
-42.74% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.94%
+2.0% YoY
+4.6% QoQ
|
+8.92% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.01% | -0.63% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Top 14.0% in tier |
| Tier 1 Capital Ratio ? |
22.91%
+9.2% YoY
+8.8% QoQ
|
+7.08% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
Top 8.7% in tier |
| Non-Interest Income / Assets ? |
0.08%
-52.2% YoY
-83.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.