BlastPoint's Banking Scorecard

Bankers' Bank of the West

$100M-$1B Specialty: Commercial CO FDIC cert 23210

Denver, CO

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

Bankers' Bank of the West has 4 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

+ Revenue Diversifier: Top 17.9% in tier
+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 22.58% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.1% in tier
- Efficiency Drag: Bottom 1.9% in tier
- Capital Constraint: Bottom 68.5% in tier
- Net Interest Margin 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$408.4M -4.6% YoY -7.6% QoQ	+$22.3M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$326.1M +1.8% YoY -1.2% QoQ	+$70.3M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$249.8M -9.9% YoY +1.1% QoQ	-$78.2M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	0.75% -68.0% YoY -40.6% QoQ	-0.52%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.67% +6.0% YoY -3.9% QoQ	-0.26%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	84.08% -3.8% YoY +0.8% QoQ	+18.79%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Bottom 10.9% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	130.54% +13.0% YoY -2.3% QoQ	+53.90%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Bottom 0.5% in tier
Non-Interest-Bearing Deposit Share ?	44.59% +23.7% YoY +5.3% QoQ	+22.58%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	Top 2.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	13.85% +2.2% YoY +2.1% QoQ	-1.98%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.70% +3.4% YoY -75.4% QoQ	+0.42%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Top 2.4% in tier

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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 (1)

Revenue Diversifier

growth

#120 of 666 • Top 17.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.70%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.75%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Margin Compression

decline

#1 of 305 • Bottom 0.1% 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: 0.75%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Efficiency Drag

risk

#9 of 414 • Bottom 1.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.08%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#75 of 108 • Bottom 68.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 130.54%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.85%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 (4 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

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 0.28%

#65 of 2664 Top 2.4% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 44.59%

Peer Median: 22.02%

#78 of 2664 Top 2.9% in $100M-$1B

Top Weaknesses (3 metrics)

2651

Loan-to-Deposit Ratio

liquidity

Value: 130.54%

Peer Median: 76.64%

#2651 of 2664 Bottom 0.5% in $100M-$1B

2374

Efficiency Ratio

profitability

Value: 84.08%

Peer Median: 65.29%

#2374 of 2664 Bottom 10.9% in $100M-$1B

2044

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.27%

#2044 of 2664 Bottom 23.3% in $100M-$1B