BlastPoint's Banking Scorecard

Bank of Estes Park

$100M-$1B Specialty: Commercial CO FDIC cert 19351

Estes Park, CO

3 branches across CO

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

Bank of Estes Park 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.57% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.9% in tier
- Return on Assets 1.47% below tier average
- Efficiency Ratio 13.59% above tier average

Get updates when Bank of Estes Park releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$157.5M +2.5% YoY +0.1% QoQ	-$228.6M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$93.3M +3.3% YoY -2.9% QoQ	-$162.4M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$141.4M +2.4% YoY +0.6% QoQ	-$186.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	-0.20% -116.0% YoY -114.5% QoQ	-1.47%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Bottom 2.5% in tier
Net Interest Margin ?	4.50% +6.1% YoY +1.9% QoQ	+0.57%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	78.87% +26.9% YoY +25.7% QoQ	+13.59%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	65.98% +1.0% YoY -3.5% QoQ	-10.66%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	20.44% -9.8% YoY -0.1% QoQ	-1.58%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.78% -4.2% YoY -0.1% QoQ	-5.05%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% -10.8% YoY -78.8% QoQ	-0.23%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	22%

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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)

Capital Thin

risk

#260 of 666 • Bottom 38.9% 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: 10.78%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

478

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.93%

#478 of 2664 Top 17.9% in $100M-$1B

Top Weaknesses (7 metrics)

2598

Return on Assets

profitability

Value: -0.20%

Peer Median: 1.27%

#2598 of 2664 Bottom 2.5% in $100M-$1B

2223

Total Assets

size

Value: $157.53M

Peer Median: $386.08M

#2223 of 2664 Bottom 16.6% in $100M-$1B

2220

Efficiency Ratio

profitability

Value: 78.87%

Peer Median: 65.29%

#2220 of 2664 Bottom 16.7% in $100M-$1B

2212

Total Loans

size

Value: $93.27M

Peer Median: $255.72M

#2212 of 2664 Bottom 17.0% in $100M-$1B

2172

Total Deposits

size

Value: $141.35M

Peer Median: $327.97M

#2172 of 2664 Bottom 18.5% in $100M-$1B

2120

Tier 1 Capital Ratio

capital

Value: 10.78%

Peer Median: 15.83%

#2120 of 2664 Bottom 20.5% in $100M-$1B

2075

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2075 of 2664 Bottom 22.1% in $100M-$1B