BlastPoint's Banking Scorecard

FirstBank

$10B-$250B Specialty: Other CO FDIC cert 18714

Lakewood, CO

95 branches across CO · AZ

137 banks in the $10B-$250B peer group nationally 2 in CO

FirstBank has 2 strengths but faces 4 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

+ Net Interest Margin 0.07% above tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 6.7% in tier
- Deposit Outflow: Bottom 33.3% in tier
- Capital Thin: Bottom 48.6% in tier
- Cost Spiral: Bottom 50.0% in tier

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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 ?	$29.4B +8.3% YoY +10.9% QoQ	-$17.6B	$47.0B -1.9% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$15.2B -3.7% YoY -4.5% QoQ	-$14.1B	$29.4B -0.4% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$23.2B -2.8% YoY +0.4% QoQ	-$15.2B	$38.4B -1.6% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	0.79% -41.3% YoY -34.5% QoQ	-0.49%	1.28% +18.7% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.85% +42.7% YoY +38.4% QoQ	+0.07%	3.77% +5.8% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	63.99% +38.3% YoY +27.3% QoQ	+9.99%	54.01% -3.7% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.74% +68.1% YoY +32.1% QoQ	-0.28%	1.02% -3.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	65.78% -0.9% YoY -4.9% QoQ	-15.01%	80.79% +1.9% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Top 13.9% in tier
Non-Interest-Bearing Deposit Share ?	32.98% -0.3% YoY +0.5% QoQ	+12.94%	20.04% +0.2% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	Top 10.2% in tier
Nonperforming Asset Ratio ?	0.38% +43.1% YoY +11.2% QoQ	-0.34%	0.72% +4.2% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	11.15% -28.7% YoY -30.8% QoQ	-4.37%	15.51% -0.4% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Bottom 5.8% in tier
Non-Interest Income / Assets ?	0.09% -63.8% YoY -86.1% QoQ	-0.13%	0.22% +0.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	24%

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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 (4)

Margin Compression

decline

#2 of 15 • Bottom 6.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.79%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

15 of 15 Large banks match · 407 nationally

↑ Growing +94 banks QoQ

Deposit Outflow

decline

#7 of 18 • Bottom 33.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Thin

risk

#18 of 35 • Bottom 48.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.15%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Cost Spiral

risk

#8 of 14 • Bottom 50.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 63.99%

(Tier: 54.01%, National: 66.95%)

worse than tier avg

14 of 14 Large banks match · 176 nationally

↑ Growing +82 banks QoQ

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 137 peers in $10B-$250B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.98%

Peer Median: 20.04%

#15 of 137 Top 10.2% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 65.78%

Peer Median: 80.79%

#20 of 137 Top 13.9% in $10B-$250B

Top Weaknesses (4 metrics)

130

Tier 1 Capital Ratio

capital

Value: 11.15%

Peer Median: 15.51%

#130 of 137 Bottom 5.8% in $10B-$250B

116

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.28%

#116 of 137 Bottom 16.1% in $10B-$250B

109

Efficiency Ratio

profitability

Value: 63.99%

Peer Median: 54.01%

#109 of 137 Bottom 21.2% in $10B-$250B

105

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.22%

#105 of 137 Bottom 24.1% in $10B-$250B