BlastPoint's Banking Scorecard

San Luis Valley Federal Bank

$100M-$1B Specialty: Mortgage CO FDIC cert 28208

Designations: ✓ Mutual

Alamosa, CO

3 branches across 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 +4.3% year over year ($317.9M on the books).
Delinquency rate 0.15%.
Return on assets 1.13%.
Efficiency ratio 69.42% vs a 64.48% peer average.
Loan-to-deposit ratio 88.45% 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 49 in CO

View $100M-$1B leaderboard (CO) →

San Luis Valley Federal Bank has 2 strengths but faces 3 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 0.56% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.9% in tier
- ROA 0.19% below tier average
- Efficiency Ratio 4.94% above tier average

Get updates when San Luis Valley Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$390.2M +4.6% YoY -1.3% QoQ	+$3.6M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$281.2M +7.0% YoY +0.9% QoQ	+$22.9M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$317.9M +4.3% YoY -1.9% QoQ	-$8.8M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	1.13% +4.3% YoY +1.5% QoQ	-0.19%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	43%
Net Interest Margin ?	4.54% +1.0% YoY +2.5% QoQ	+0.56%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	69.42% -1.3% YoY +0.4% QoQ	+4.94%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.15% -41.0% YoY -18.4% QoQ	-0.77%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	88.45% +2.5% YoY +2.9% QoQ	+10.49%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	23.86% +0.9% YoY -0.2% QoQ	+1.83%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	62%
Nonperforming Asset Ratio ?	0.11% -39.6% YoY -16.5% QoQ	-0.56%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	29.43% +4.4% YoY -1.2% QoQ	+13.53%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	Top 4.3% in tier
Non-Interest Income / Assets ?	0.35% -5.7% YoY +106.9% QoQ	-0.21%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	80%

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	23.9% +0.2pp YoY -0.1pp QoQ	+1.7pp	22.1%	23.5%	22.2%	62%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	1.8% +0.2pp YoY -0.1pp QoQ	-9.8pp	11.6%	8.4%	12.5%	6%
CRE	14.8% -2.3pp YoY -0.6pp QoQ	-24.8pp	39.5%	42.8%	41.4%	10%
1-4 Family	77.8% +2.2pp YoY +0.6pp QoQ	+45.2pp	32.6%	33.0%	31.3%	96%
Consumer	1.3% -0.2pp YoY 0.0pp QoQ	-2.8pp	4.1%	3.9%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	29.4% +1.2pp YoY -0.4pp QoQ	+10.6pp	18.8%	24.9%	19.7%	93%
Leverage Ratio	18.0% +0.1pp YoY +0.3pp QoQ	+5.8pp	12.2%	12.5%	12.6%	95%
Total Capital Ratio	30.7% +1.3pp YoY -0.4pp QoQ	+10.7pp	19.9%	26.1%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	62 0 YoY 0 QoQ	+3	58	107	482	65%
Assets per Employee ($)	$6.3M +4.6% YoY -1.3% QoQ	-$1.2M	$7.5M	$7.8M	$8.8M	38%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

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	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	24%
Allowance Coverage	7.15x +78.1% YoY +23.7% QoQ	-17.00x	24.15x	12.16x	20.23x	77%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	6.8% -0.2pp YoY 0.0pp QoQ	-5.4pp	12.2%	9.7%	11.6%	20%
Cost of Funds (YTD)	0.5% +0.2pp YoY 0.0pp QoQ	-1.2pp	1.7%	1.7%	1.7%	2%
Net Income ($, YTD)	$2.2M +8.7% YoY — QoQ	-$334K	$2.6M	$5.4M	$40.4M	57%

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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 Overhang

risk

#45 of 742 • Bottom 5.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.43%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.45%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (3 metrics)

114

Tier 1 Capital Ratio

capital

Value: 29.43%

Peer Median: 15.91%

#114 of 2643 Top 4.3% in $100M-$1B

496

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.99%

#496 of 2643 Top 18.7% in $100M-$1B

521

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available