BlastPoint's Banking Scorecard
The Bank of Commerce
Designations: ✓ Community bank
Ammon, ID
17 branches across ID · MT
The Bank of Commerce has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 25.6% in tier
- + Return on Assets 0.85% above tier average
- + Efficiency Ratio 28.46% below tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 33.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+1.6% YoY
-0.2% QoQ
|
-$559.8M |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.7B
+18.4% YoY
+2.7% QoQ
|
-$307.6M |
$2.0B
+0.6% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.9B
+2.8% YoY
-0.2% QoQ
|
-$438.2M |
$2.3B
-0.3% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
2.22%
-3.9% YoY
+4.0% QoQ
|
+0.85% |
1.37%
+19.6% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 6.3% in tier |
| Net Interest Margin ? |
4.64%
+4.2% YoY
-0.7% QoQ
|
+0.83% |
3.82%
+6.9% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Top 8.9% in tier |
| Efficiency Ratio ? |
32.60%
+5.7% YoY
-10.3% QoQ
|
-28.46% |
61.06%
-4.6% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
Top 3.2% in tier |
| Delinquency Rate ? |
0.75%
+165.7% YoY
+27.5% QoQ
|
-0.14% |
0.89%
+14.1% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
86.99%
+15.3% YoY
+2.9% QoQ
|
+2.79% |
84.20%
+0.3% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
37.18%
-4.3% YoY
-3.8% QoQ
|
+15.89% |
21.29%
-2.5% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.55%
+209.8% YoY
+31.2% QoQ
|
-0.12% |
0.67%
+15.6% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
19.37%
-5.5% YoY
+1.3% QoQ
|
+4.21% |
15.16%
+2.0% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
Top 8.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
+1.8% YoY
-75.8% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
16% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.