BlastPoint's Banking Scorecard
First National Bank Colorado
Las Animas, CO
7 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 +3.3% year over year ($532.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.08%.
- Efficiency ratio 46.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank Colorado shows strong momentum with 5 strengths and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.76% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 17.74% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$634.3M
+5.1% YoY
+1.2% QoQ
|
+$247.7M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$411.8M
+14.9% YoY
+6.6% QoQ
|
+$153.4M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$532.4M
+3.3% YoY
+0.3% QoQ
|
+$205.7M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
2.08%
-0.1% YoY
-4.1% QoQ
|
+0.76% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Top 11.5% in tier |
| Net Interest Margin ? |
4.38%
+6.7% YoY
+2.0% QoQ
|
+0.40% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
46.73%
-2.5% YoY
-2.4% QoQ
|
-17.74% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Top 11.3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
77.34%
+11.2% YoY
+6.3% QoQ
|
-0.61% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
22.68%
+2.8% YoY
-8.7% QoQ
|
+0.65% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.76%
+1.4% YoY
+0.6% QoQ
|
-4.15% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.17%
+2.4% YoY
+101.6% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
22.7%
+0.6pp YoY -2.2pp QoQ |
+0.5pp | 22.1% | 23.5% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.3%
+1.4pp YoY +0.4pp QoQ |
+0.8pp | 11.6% | 8.4% | 12.5% | 65% |
| CRE |
32.4%
-0.4pp YoY 0.0pp QoQ |
-7.2pp | 39.5% | 42.8% | 41.4% | 39% |
| 1-4 Family |
19.4%
-1.2pp YoY -1.6pp QoQ |
-13.2pp | 32.6% | 33.0% | 31.3% | 29% |
| Consumer |
1.1%
-0.3pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 3.9% | 5.0% | 31% |
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 |
11.8%
+0.2pp YoY +0.1pp QoQ |
-0.4pp | 12.2% | 12.5% | 12.6% | 62% |
| 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 |
83
-1 (-1.2%) YoY +1 (+1.2%) QoQ |
+24 | 58 | 107 | 482 | 79% |
| Assets per Employee ($) |
$7.6M
+6.4% YoY -0.1% QoQ |
+$124K | $7.5M | $7.8M | $8.8M | 63% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 7 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.7%
-2.6pp YoY -1.1pp QoQ |
+7.5pp | 12.2% | 9.7% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 30% |
| Net Income ($, YTD) |
$6.6M
+4.0% YoY — QoQ |
+$4.0M | $2.6M | $5.4M | $40.4M | 94% |
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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.