BlastPoint's Banking Scorecard
RG Bank, A Savings and Loan Association
Designations: ✓ Mutual
Monte Vista, CO
3 branches across CO
RG Bank, A Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5.5% in tier
- - ROA 0.65% below tier average
- - Efficiency Ratio 17.76% above tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.1M
-1.3% YoY
+0.0% QoQ
|
-$250.0M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.0% in tier |
| Total Loans ? |
$104.9M
-1.6% YoY
-1.1% QoQ
|
-$150.9M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$120.9M
-1.5% YoY
-0.4% QoQ
|
-$207.1M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.1% in tier |
| Return on Assets ? |
0.61%
+115.7% YoY
+3.5% QoQ
|
-0.65% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
4.14%
+10.7% YoY
+1.3% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
83.04%
-9.0% YoY
-0.4% QoQ
|
+17.76% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate ? |
1.37%
-43.4% YoY
-4.1% QoQ
|
+0.49% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
86.74%
-0.1% YoY
-0.8% QoQ
|
+10.10% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
22.58%
+10.6% YoY
-0.8% QoQ
|
+0.56% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.06%
-43.6% YoY
-5.2% QoQ
|
+0.42% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
11.84%
+8.1% YoY
+1.6% QoQ
|
-3.99% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.10%
-10.1% YoY
-78.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.