BlastPoint's Banking Scorecard

High Country Bank

$100M-$1B Specialty: Commercial CO FDIC cert 29783

Salida, CO

5 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

High Country Bank has 1 strength but faces 6 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 0.73% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 7.6% in tier
- Capital Thin: Bottom 25.1% in tier
- Credit Risk Growth: Bottom 43.1% in tier
- Loan-to-Deposit Ratio 23.85% above tier average
- ROA 0.21% below tier average
- Efficiency Ratio 6.44% above tier average

Get updates when High Country Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$524.1M +4.1% YoY -1.7% QoQ	+$138.1M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$440.3M +6.4% YoY -0.8% QoQ	+$184.5M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$438.1M +3.3% YoY +0.2% QoQ	+$110.1M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.06% +4.5% YoY +10.2% QoQ	-0.21%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	4.66% +1.4% YoY -0.2% QoQ	+0.73%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 14.0% in tier
Efficiency Ratio ?	71.72% -0.7% YoY +1.2% QoQ	+6.44%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	1.36% +46.7% YoY +9.8% QoQ	+0.47%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	100.49% +2.9% YoY -1.0% QoQ	+23.85%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Bottom 8.0% in tier
Non-Interest-Bearing Deposit Share ?	11.80% -34.8% YoY -13.5% QoQ	-10.22%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	Bottom 14.5% in tier
Nonperforming Asset Ratio ?	1.14% +50.0% YoY +10.7% QoQ	+0.50%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	9.43% -17.4% YoY +1.4% QoQ	-6.40%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Bottom 3.8% in tier
Non-Interest Income / Assets ?	0.10% +12.8% YoY -74.1% QoQ	-0.18%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	52%

Get Full Access to High Country Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (3)

NIB Deposit Bleed

decline

#16 of 198 • Bottom 7.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.80%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Capital Thin

risk

#168 of 666 • Bottom 25.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.43%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#420 of 973 • Bottom 43.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

374

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.93%

#374 of 2664 Top 14.0% in $100M-$1B

438

Total Loans

size

Value: $440.26M

Peer Median: $255.72M

#438 of 2664 Top 16.4% in $100M-$1B

Top Weaknesses (5 metrics)

2564

Tier 1 Capital Ratio

capital

Value: 9.43%

Peer Median: 15.83%

#2564 of 2664 Bottom 3.8% in $100M-$1B

2452

Loan-to-Deposit Ratio

liquidity

Value: 100.49%

Peer Median: 76.64%

#2452 of 2664 Bottom 8.0% in $100M-$1B

2280

Non-Interest-Bearing Deposit Share

funding

Value: 11.80%

Peer Median: 22.02%

#2280 of 2664 Bottom 14.5% in $100M-$1B

2219

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.64%

#2219 of 2664 Bottom 16.7% in $100M-$1B

2091

Delinquency Rate

credit_quality

Value: 1.36%

Peer Median: 0.89%

#2091 of 2654 Bottom 21.3% in $100M-$1B