BlastPoint's Banking Scorecard
Bankers' Bank of the West
Denver, CO
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 49 in CO.
- Deposits -7.4% year over year ($249.5M on the books).
- Delinquency rate 1.05%.
- Return on assets 0.81%.
- Efficiency ratio 83.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 132.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bankers' Bank of the West has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16.9% in tier
- + Non-Interest-Bearing Deposit Share 18.25% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.4% in tier
- - Margin Compression: Bottom 3.3% in tier
- - Deposit Outflow: Bottom 11.8% in tier
- - Capital Constraint: Bottom 70.1% in tier
- - Net Interest Margin 0.32% below tier average
- - Delinquency Rate 0.13% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.6M
+5.9% YoY
+6.2% QoQ
|
+$47.0M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$331.4M
+0.4% YoY
+1.6% QoQ
|
+$73.0M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$249.5M
-7.4% YoY
-0.1% QoQ
|
-$77.2M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.81%
-51.1% YoY
+7.7% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.67%
-1.4% YoY
-0.1% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
83.30%
-1.4% YoY
-0.9% QoQ
|
+18.82% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? | 1.05% | +0.13% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
132.81%
+8.4% YoY
+1.7% QoQ
|
+54.85% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.29%
-1.9% YoY
-9.7% QoQ
|
+18.25% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 4.5% in tier |
| Nonperforming Asset Ratio ? | 0.80% | +0.13% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.46%
-0.2% YoY
-2.8% QoQ
|
-2.45% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
1.41%
-5.2% YoY
+101.8% QoQ
|
+0.85% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 2.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
40.3%
-0.8pp YoY -4.3pp QoQ |
+18.1pp | 22.1% | 23.5% | 22.2% | 95% |
| Brokered Deposits |
7.4%
-15.2pp YoY -4.4pp QoQ |
-0.4pp | 7.9% | 7.4% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
-1.6pp YoY +1.7pp QoQ |
+3.2pp | 11.6% | 8.4% | 12.5% | 75% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
1.2%
-0.7pp YoY -0.2pp QoQ |
-31.4pp | 32.6% | 33.0% | 31.3% | 1% |
| Consumer | n/a | n/a | 4.1% | 3.9% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.5%
0.0pp YoY -0.4pp QoQ |
-5.4pp | 18.8% | 24.9% | 19.7% | 33% |
| Leverage Ratio |
14.4%
+0.3pp YoY -0.1pp QoQ |
+2.2pp | 12.2% | 12.5% | 12.6% | 83% |
| Total Capital Ratio |
14.7%
0.0pp YoY -0.4pp QoQ |
-5.2pp | 19.9% | 26.1% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
-1 (-1.9%) YoY 0 QoQ |
-6 | 58 | 107 | 482 | 56% |
| Assets per Employee ($) |
$8.2M
+7.9% YoY +6.2% QoQ |
+$662K | $7.5M | $7.8M | $8.8M | 70% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | 1.1% | +0.1pp | 0.9% | 0.8% | 1.0% | 72% |
| Allowance Coverage | 1.67x | -22.49x | 24.15x | 12.16x | 20.23x | 42% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
-6.8pp YoY +0.4pp QoQ |
-6.1pp | 12.2% | 9.7% | 11.6% | 17% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 80% |
| Net Income ($, YTD) |
$1.7M
-50.6% YoY — QoQ |
-$825K | $2.6M | $5.4M | $40.4M | 47% |
Get Full Access to Bankers' Bank of the West
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
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.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.