BlastPoint's Banking Scorecard

The Dolores State Bank

$100M-$1B Specialty: Commercial CO FDIC cert 17959

Dolores, CO

4 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

The Dolores State Bank has 3 strengths but faces 2 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

+ ROA 0.51% above tier average
+ Net Interest Margin 0.62% above tier average
+ Efficiency Ratio 18.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 20.8% in tier
- Delinquency Rate 0.36% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$451.3M +6.1% YoY +0.8% QoQ	+$65.2M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$319.0M +12.2% YoY +0.9% QoQ	+$63.3M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$354.6M +0.7% YoY +0.4% QoQ	+$26.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	1.77% +8.4% YoY -6.1% QoQ	+0.51%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.55% +6.1% YoY +1.3% QoQ	+0.62%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	47.02% -4.5% YoY +4.4% QoQ	-18.27%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 11.1% in tier
Delinquency Rate ?	1.24% +29.4% YoY -6.1% QoQ	+0.36%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	89.98% +11.5% YoY +0.5% QoQ	+13.34%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	23.42% -2.4% YoY -9.1% QoQ	+1.40%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.88% +36.9% YoY -6.0% QoQ	+0.24%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	20.67% -0.9% YoY +1.0% QoQ	+4.84%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Top 12.0% in tier
Non-Interest Income / Assets ?	0.11% -2.7% YoY -75.8% QoQ	-0.17%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	59%

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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 (1)

Liquidity Overhang

risk

#155 of 739 • Bottom 20.8% 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: 20.67%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 89.98%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

297

Efficiency Ratio

profitability

Value: 47.02%

Peer Median: 65.29%

#297 of 2664 Top 11.1% in $100M-$1B

321

Tier 1 Capital Ratio

capital

Value: 20.67%

Peer Median: 15.83%

#321 of 2664 Top 12.0% in $100M-$1B

439

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.93%

#439 of 2664 Top 16.4% in $100M-$1B

523

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.27%

#523 of 2664 Top 19.6% in $100M-$1B

Top Weaknesses (3 metrics)

2049

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.64%

#2049 of 2664 Bottom 23.1% in $100M-$1B

2034

Delinquency Rate

credit_quality

Value: 1.24%

Peer Median: 0.89%

#2034 of 2654 Bottom 23.4% in $100M-$1B

2020

Loan-to-Deposit Ratio

liquidity

Value: 89.98%

Peer Median: 76.64%

#2020 of 2664 Bottom 24.2% in $100M-$1B