BlastPoint's Banking Scorecard

Main Bank

$100M-$1B Specialty: Commercial NM FDIC cert 22086

Albuquerque, NM

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 21 in NM.
Deposits +2.9% year over year ($211.4M on the books).
Delinquency rate 0.00%.
Return on assets 2.10%.
Efficiency ratio 51.49% vs a 64.48% peer average.
Loan-to-deposit ratio 90.85% 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 21 in NM

View $100M-$1B leaderboard (NM) →

Main Bank has 5 strengths but faces 2 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 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.78% above tier average
+ Net Interest Margin 0.41% above tier average
+ Efficiency Ratio 12.99% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.2% in tier
- Non-Interest Income / Assets 0.50% below tier average

Get updates when Main Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$245.2M -0.6% YoY -3.5% QoQ	-$141.4M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$192.1M -1.5% YoY +4.7% QoQ	-$66.3M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$211.4M +2.9% YoY -4.4% QoQ	-$115.3M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	2.10% +0.9% YoY +4.4% QoQ	+0.78%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 11.3% in tier
Net Interest Margin ?	4.40% +5.3% YoY +4.3% QoQ	+0.41%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	51.49% +1.1% YoY -0.4% QoQ	-12.99%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	90.85% -4.3% YoY +9.4% QoQ	+12.89%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	28.98% +8.4% YoY +3.4% QoQ	+6.95%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.82% +5.7% YoY -2.5% QoQ	-1.09%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.06% -62.2% YoY +102.2% QoQ	-0.50%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	Bottom 8.5% 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 (NM)	National Avg	Tier Percentile
Noninterest-Bearing	29.0% +2.3pp YoY +0.9pp QoQ	+6.8pp	22.1%	34.1%	22.2%	79%
Brokered Deposits	2.4% -2.5pp YoY -2.2pp QoQ	-5.5pp	7.9%	5.2%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	10.0% -0.5pp YoY 0.0pp QoQ	-1.5pp	11.6%	20.2%	12.5%	53%
CRE	84.6% +0.8pp YoY -0.1pp QoQ	+45.1pp	39.5%	50.8%	41.4%	98%
1-4 Family	7.7% -0.2pp YoY 0.0pp QoQ	-25.0pp	32.6%	20.2%	31.3%	8%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.8%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	14.8% +0.8pp YoY -0.4pp QoQ	-4.0pp	18.8%	26.0%	19.7%	47%
Leverage Ratio	11.5% -0.2pp YoY +0.1pp QoQ	-0.6pp	12.2%	13.9%	12.6%	58%
Total Capital Ratio	16.1% +0.8pp YoY -0.4pp QoQ	-3.9pp	19.9%	27.1%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	22 0 YoY 0 QoQ	-37	58	75	482	14%
Assets per Employee ($)	$11.1M -0.6% YoY -3.5% QoQ	+$3.6M	$7.5M	$7.6M	$8.8M	90%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	56.44x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	18.4% -0.9pp YoY +0.5pp QoQ	+6.2pp	12.2%	18.9%	11.6%	83%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.0%	1.7%	53%
Net Income ($, YTD)	$2.6M +1.2% YoY — QoQ	+$69K	$2.6M	$5.6M	$40.4M	64%

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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)

Liquidity Strain

risk

#30 of 691 • Bottom 4.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.85%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

300

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.32%

#300 of 2643 Top 11.3% in $100M-$1B

526

Efficiency Ratio

profitability

Value: 51.49%

Peer Median: 64.48%

#526 of 2643 Top 19.9% in $100M-$1B

551

Non-Interest-Bearing Deposit Share

funding

Value: 28.98%

Peer Median: 22.03%

#551 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (2 metrics)

2420

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2420 of 2643 Bottom 8.5% in $100M-$1B

2000

Loan-to-Deposit Ratio

liquidity

Value: 90.85%

Peer Median: 77.95%

#2000 of 2643 Bottom 24.4% in $100M-$1B