BlastPoint's Banking Scorecard
Del Norte Bank
Del Norte, CO
2 branches across CO
Del Norte Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.88% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.02% above tier average
- - ROA 0.15% below tier average
- - Efficiency Ratio 4.09% above tier average
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.3M
+7.9% YoY
+1.0% QoQ
|
-$233.8M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.9% in tier |
| Total Loans ? |
$123.8M
+8.8% YoY
+1.0% QoQ
|
-$131.9M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$123.0M
+4.3% YoY
+1.5% QoQ
|
-$204.9M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.8% in tier |
| Return on Assets ? |
1.12%
+12.3% YoY
+13.5% QoQ
|
-0.15% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.81%
+5.5% YoY
+2.1% QoQ
|
+0.88% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 10.7% in tier |
| Efficiency Ratio ? |
69.37%
-1.4% YoY
-2.3% QoQ
|
+4.09% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
1.35%
+196.5% QoQ
|
+0.47% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
100.66%
+4.4% YoY
-0.5% QoQ
|
+24.02% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.72%
+4.5% YoY
-2.8% QoQ
|
-3.30% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.10%
+196.4% QoQ
|
+0.46% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.48%
+0.8% YoY
+3.1% QoQ
|
-5.35% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.13%
+80.7% YoY
-56.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.