BlastPoint's Banking Scorecard
Rocky Mountain Bank & Trust
Florence, CO
2 branches across CO
Rocky Mountain Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 1.05% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 9.9% in tier
- - Delinquency Rate 0.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$124.2M
+2.1% YoY
+0.6% QoQ
|
-$261.9M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.2% in tier |
| Total Loans ? |
$60.5M
+3.0% YoY
-6.7% QoQ
|
-$195.2M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.0% in tier |
| Total Deposits ? |
$107.8M
-0.5% YoY
+0.1% QoQ
|
-$220.1M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
1.55%
+25.0% YoY
-22.2% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.08%
+9.5% YoY
-0.9% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
64.24%
-6.9% YoY
+15.9% QoQ
|
-1.05% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
1.82%
-21.4% YoY
+1.7% QoQ
|
+0.93% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.4% in tier |
| Loan-to-Deposit Ratio ? |
56.10%
+3.5% YoY
-6.8% QoQ
|
-20.54% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Top 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.20%
-24.5% YoY
-5.5% QoQ
|
+4.18% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.89%
-20.8% YoY
-5.6% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.12%
+10.2% YoY
+0.4% QoQ
|
-2.71% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.13%
-2.1% YoY
-76.9% 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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.