BlastPoint's Banking Scorecard

Pikes Peak National Bank

$100M-$1B Specialty: Commercial CO FDIC cert 17782

Colorado Springs, CO

3 branches across CO

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 +3.8% year over year ($93.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.59%.
Efficiency ratio 82.87% vs a 64.48% peer average.
Loan-to-deposit ratio 78.38% 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) →

Pikes Peak National Bank has 3 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

+ Credit Quality Leader: Top 33.1% in tier
+ Deposit Franchise: Top 59.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 18.6% in tier
- Liquidity Overhang: Bottom 29.5% in tier
- ROA 0.74% below tier average

Get updates when Pikes Peak National 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 ?	$110.8M +3.8% YoY +0.0% QoQ	-$275.8M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Bottom 3.0% in tier
Total Loans ?	$73.0M +6.1% YoY +3.1% QoQ	-$185.4M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	Bottom 8.1% in tier
Total Deposits ?	$93.1M +3.8% YoY -0.1% QoQ	-$233.7M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Bottom 3.6% in tier
Return on Assets ?	0.59% -19.2% YoY +10.1% QoQ	-0.74%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Bottom 14.6% in tier
Net Interest Margin ?	4.62% +3.3% YoY +5.9% QoQ	+0.63%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	82.87% +3.0% YoY -1.5% QoQ	+18.39%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Bottom 11.0% in tier
Delinquency Rate ?	0.00%	-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 ?	78.38% +2.3% YoY +3.2% QoQ	+0.42%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	36.87% +8.8% YoY +5.6% QoQ	+14.84%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	Top 7.3% in tier
Nonperforming Asset Ratio ?	0.00%	-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 ?	22.01% -3.5% YoY -5.1% QoQ	+6.10%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	Top 10.4% in tier
Non-Interest Income / Assets ?	0.10% -66.8% YoY +98.2% QoQ	-0.46%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	20%

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	36.9% +3.0pp YoY +2.0pp QoQ	+14.7pp	22.1%	23.5%	22.2%	93%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	9.2% +4.9pp YoY +3.4pp QoQ	-2.3pp	11.6%	8.4%	12.5%	48%
CRE	85.3% -2.9pp YoY -2.9pp QoQ	+45.8pp	39.5%	42.8%	41.4%	99%
1-4 Family	5.2% -3.5pp YoY -1.0pp QoQ	-27.4pp	32.6%	33.0%	31.3%	5%
Consumer	1.2% +0.9pp YoY +0.2pp QoQ	-2.9pp	4.1%	3.9%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	22.0% -0.8pp YoY -1.2pp QoQ	+3.2pp	18.8%	24.9%	19.7%	83%
Leverage Ratio	15.6% +0.2pp YoY 0.0pp QoQ	+3.4pp	12.2%	12.5%	12.6%	89%
Total Capital Ratio	23.3% -0.8pp YoY -1.2pp QoQ	+3.3pp	19.9%	26.1%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	25 0 YoY -2 (-7.4%) QoQ	-34	58	107	482	19%
Assets per Employee ($)	$4.4M +3.8% YoY +8.0% QoQ	-$3.1M	$7.5M	$7.8M	$8.8M	8%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

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)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	3.8% -0.9pp YoY +0.3pp QoQ	-8.4pp	12.2%	9.7%	11.6%	10%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	19%
Net Income ($, YTD)	$324,000 -14.3% YoY — QoQ	-$2.2M	$2.6M	$5.4M	$40.4M	7%

Get Full Access to Pikes Peak National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Credit Quality Leader

growth

#219 of 659 • Top 33.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#165 of 278 • Top 59.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.87%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.62%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk

#68 of 361 • Bottom 18.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.87%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#220 of 742 • Bottom 29.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.01%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.38%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 (5 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

195

Non-Interest-Bearing Deposit Share

funding

Value: 36.87%

Peer Median: 22.03%

#195 of 2643 Top 7.3% in $100M-$1B

276

Tier 1 Capital Ratio

capital

Value: 22.01%

Peer Median: 15.91%

#276 of 2643 Top 10.4% in $100M-$1B

448

Net Interest Margin

profitability

Value: 4.62%

Peer Median: 3.99%

#448 of 2643 Top 16.9% in $100M-$1B

Top Weaknesses (6 metrics)

2566

Total Assets

size

Value: $110.76M

Peer Median: $386.57M

#2566 of 2643 Bottom 3.0% in $100M-$1B

2549

Total Deposits

size

Value: $93.08M

Peer Median: $326.73M

#2549 of 2643 Bottom 3.6% in $100M-$1B

2431

Total Loans

size

Value: $72.95M

Peer Median: $258.35M

#2431 of 2643 Bottom 8.1% in $100M-$1B

2352

Efficiency Ratio

profitability

Value: 82.87%

Peer Median: 64.48%

#2352 of 2643 Bottom 11.0% in $100M-$1B

2258

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.32%

#2258 of 2643 Bottom 14.6% in $100M-$1B

2124

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2124 of 2643 Bottom 19.7% in $100M-$1B