BlastPoint's Banking Scorecard
Ascent Bank
Helena, MT
2 branches across MT
Ascent Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio 7.43% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 30.5% in tier
- - Flatlined Growth: Bottom 40.6% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Delinquency Rate 1.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.1M
-0.5% YoY
-5.6% QoQ
|
-$282.0M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.5% in tier |
| Total Loans ? |
$81.8M
+3.1% YoY
+3.3% QoQ
|
-$173.9M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.9% in tier |
| Total Deposits ? |
$92.5M
-0.2% YoY
-5.1% QoQ
|
-$235.5M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.4% in tier |
| Return on Assets ? |
1.16%
-9.9% YoY
-12.4% QoQ
|
-0.10% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.39%
-0.1% YoY
-2.2% QoQ
|
+0.46% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
57.86%
-0.5% YoY
+0.8% QoQ
|
-7.43% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
2.00%
+463.2% YoY
+13.6% QoQ
|
+1.11% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.5% in tier |
| Loan-to-Deposit Ratio ? |
88.42%
+3.3% YoY
+8.8% QoQ
|
+11.79% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
22.05%
+8.4% YoY
+11.8% QoQ
|
+0.03% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.57%
+483.2% YoY
+24.4% QoQ
|
+0.94% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.7% in tier |
| Tier 1 Capital Ratio ? |
11.41%
-10.3% YoY
-18.3% QoQ
|
-4.42% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.02%
+5.8% YoY
-62.8% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.2% in tier |
Get Full Access to Ascent Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.