BlastPoint's Banking Scorecard
Del Norte Bank
Del Norte, CO
2 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 +3.4% year over year ($127.2M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.22%.
- Efficiency ratio 67.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 98.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Del Norte Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.88% above tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 42.8% in tier
- - ROA 0.10% below tier average
- - Efficiency Ratio 3.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.3M
+5.0% YoY
+2.0% QoQ
|
-$231.3M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$124.8M
+4.9% YoY
+0.8% QoQ
|
-$133.6M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$127.2M
+3.4% YoY
+3.4% QoQ
|
-$199.6M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.5% in tier |
| Return on Assets ? |
1.22%
+20.4% YoY
+9.1% QoQ
|
-0.10% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
4.87%
+5.2% YoY
+1.2% QoQ
|
+0.88% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
67.83%
-2.7% YoY
-2.2% QoQ
|
+3.35% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.04%
-92.1% YoY
-96.9% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
98.12%
+1.5% YoY
-2.5% QoQ
|
+20.17% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.44%
+10.3% YoY
+3.9% QoQ
|
-2.59% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.03%
-92.1% YoY
-97.0% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
10.69%
+2.1% YoY
+2.0% QoQ
|
-5.22% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.25%
+86.2% YoY
+94.6% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
19.4%
+1.8pp YoY +0.7pp QoQ |
-2.7pp | 22.1% | 23.5% | 22.2% | 42% |
| Brokered Deposits |
7.1%
-2.7pp YoY -0.3pp QoQ |
-0.8pp | 7.9% | 7.4% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.0%
+0.2pp YoY -0.2pp QoQ |
-9.5pp | 11.6% | 8.4% | 12.5% | 7% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
34.2%
0.0pp YoY -0.4pp QoQ |
+1.6pp | 32.6% | 33.0% | 31.3% | 60% |
| Consumer |
0.8%
+0.2pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 3.9% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
10.7%
+0.2pp YoY +0.2pp QoQ |
-1.5pp | 12.2% | 12.5% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
+2 (+7.4%) YoY +1 (+3.6%) QoQ |
-30 | 58 | 107 | 482 | 25% |
| Assets per Employee ($) |
$5.4M
-2.3% YoY -1.6% QoQ |
-$2.2M | $7.5M | $7.8M | $8.8M | 20% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY -1.3pp QoQ |
-0.3pp | 0.3% | 0.7% | 0.4% | 36% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
26.81x
+1162.0% YoY +3157.7% QoQ |
+2.65x | 24.15x | 12.16x | 20.23x | 90% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+1.5pp YoY +1.0pp QoQ |
+0.4pp | 12.2% | 9.7% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.9%
+0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$935,000
+28.4% YoY — QoQ |
-$1.6M | $2.6M | $5.4M | $40.4M | 25% |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.