BlastPoint's Banking Scorecard

Ascent Bank

$100M-$1B Specialty: Commercial MT FDIC cert 20162

Helena, MT

2 branches across MT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
Deposits -1.6% year over year ($92.4M on the books).
Delinquency rate 2.54%.
Return on assets 1.24%.
Efficiency ratio 57.58% vs a 64.48% peer average.
Loan-to-deposit ratio 88.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in MT

View $100M-$1B leaderboard (MT) →

Ascent Bank 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 0.57% above tier average
+ Efficiency Ratio 6.90% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 33.5% in tier
- Delinquency Rate 1.62% above tier average
- Nonperforming Asset Ratio 1.32% above tier average
- Non-Interest Income / Assets 0.53% below tier average

Get updates when Ascent Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$104.1M -2.1% YoY +0.0% QoQ	-$282.5M	$386.6M +1.2% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	Bottom 1.0% in tier
Total Loans ?	$81.4M +0.6% YoY -0.5% QoQ	-$177.0M	$258.3M +1.7% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	Bottom 11.2% in tier
Total Deposits ?	$92.4M -1.6% YoY -0.1% QoQ	-$234.3M	$326.7M +0.7% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	Bottom 3.3% in tier
Return on Assets ?	1.24% -8.6% YoY +6.8% QoQ	-0.08%	1.32% +10.8% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.56% +2.2% YoY +3.9% QoQ	+0.57%	3.99% +5.0% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	57.58% +0.8% YoY -0.5% QoQ	-6.90%	64.48% -3.2% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	2.54% +233.0% YoY +26.9% QoQ	+1.62%	0.92% +15.7% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	Bottom 8.5% in tier
Loan-to-Deposit Ratio ?	88.06% +2.3% YoY -0.4% QoQ	+10.11%	77.95% +1.0% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	20.45% +1.9% YoY -7.2% QoQ	-1.58%	22.03% -0.6% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	1.99% +242.2% YoY +26.3% QoQ	+1.32%	0.67% +16.4% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	Bottom 7.2% in tier
Tier 1 Capital Ratio ?	12.41% -4.1% YoY +8.7% QoQ	-3.50%	15.91% +1.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.04% +7.5% YoY +100.0% QoQ	-0.53%	0.57% +7.6% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	Bottom 3.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Noninterest-Bearing	20.5% +0.4pp YoY -1.6pp QoQ	-1.7pp	22.1%	26.8%	22.2%	47%
Brokered Deposits	n/a	n/a	7.9%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
C&I	11.7% -4.2pp YoY -5.2pp QoQ	+0.1pp	11.6%	14.3%	12.5%	62%
CRE	46.6% 0.0pp YoY +0.4pp QoQ	+7.0pp	39.5%	42.8%	41.4%	65%
1-4 Family	39.0% +4.2pp YoY +4.8pp QoQ	+6.4pp	32.6%	26.0%	31.3%	68%
Consumer	1.7% -0.5pp YoY -0.1pp QoQ	-2.4pp	4.1%	2.7%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
CET1 Ratio	12.4% -0.5pp YoY +1.0pp QoQ	-6.4pp	18.8%	22.4%	19.7%	21%
Leverage Ratio	8.7% -0.5pp YoY +0.7pp QoQ	-3.5pp	12.2%	13.2%	12.6%	8%
Total Capital Ratio	13.7% -0.5pp YoY +1.0pp QoQ	-6.3pp	19.9%	23.5%	20.8%	23%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	15 -1 (-6.2%) YoY -2 (-11.8%) QoQ	-44	58	284	482	4%
Assets per Employee ($)	$6.9M +4.5% YoY +13.3% QoQ	-$581K	$7.5M	$8.1M	$8.8M	51%
Branch Count	2 0 YoY 0 QoQ	-3	4	21	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.6%	0.4%	n/a
Nonaccrual	2.5% +2.2pp YoY +0.5pp QoQ	+1.6pp	0.9%	1.1%	1.0%	92%
Allowance Coverage	0.54x -72.1% YoY -30.6% QoQ	-23.61x	24.15x	3.69x	20.23x	12%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY	+0.3pp	0.1%	0.0%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	13.6% -1.6pp YoY +0.9pp QoQ	+1.4pp	12.2%	14.2%	11.6%	59%
Cost of Funds (YTD)	1.8% -0.2pp YoY -0.1pp QoQ	0.0pp	1.7%	1.5%	1.7%	55%
Net Income ($, YTD)	$660,000 -7.9% YoY — QoQ	-$1.9M	$2.6M	$14.9M	$40.4M	15%

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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)

Margin Compression

decline

#104 of 307 • Bottom 33.5% 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: 1.24%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

485

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.99%

#485 of 2643 Top 18.3% in $100M-$1B

Top Weaknesses (6 metrics)

2618

Total Assets

size

Value: $104.06M

Peer Median: $386.57M

#2618 of 2643 Bottom 1.0% in $100M-$1B

2557

Total Deposits

size

Value: $92.42M

Peer Median: $326.73M

#2557 of 2643 Bottom 3.3% in $100M-$1B

2543

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2543 of 2643 Bottom 3.8% in $100M-$1B

2454

Nonperforming Asset Ratio

credit_quality

Value: 1.99%

Peer Median: 0.67%

#2454 of 2643 Bottom 7.2% in $100M-$1B

2410

Delinquency Rate

credit_quality

Value: 2.54%

Peer Median: 0.92%

#2410 of 2633 Bottom 8.5% in $100M-$1B

2348

Total Loans

size

Value: $81.38M

Peer Median: $258.35M

#2348 of 2643 Bottom 11.2% in $100M-$1B