BlastPoint's Banking Scorecard
Main Bank
Albuquerque, NM
Main Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.5% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.74% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 13.61% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$254.2M
+4.8% YoY
+1.3% QoQ
|
-$131.9M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$183.5M
-4.6% YoY
-3.5% QoQ
|
-$72.2M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$221.1M
+9.3% YoY
+2.6% QoQ
|
-$106.9M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
2.01%
-7.9% YoY
-11.4% QoQ
|
+0.74% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 12.2% in tier |
| Net Interest Margin ? |
4.21%
+4.3% YoY
-2.6% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
51.68%
+5.2% YoY
+8.7% QoQ
|
-13.61% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
83.02%
-12.7% YoY
-6.0% QoQ
|
+6.38% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
28.03%
-1.1% YoY
+5.2% QoQ
|
+6.01% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.19%
+9.1% YoY
+4.0% QoQ
|
-0.64% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.03%
-77.4% YoY
-86.2% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.0% in tier |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.