BlastPoint's Banking Scorecard
Colorado Federal Savings Bank
Designations: ✓ Community bank
Greenwood Village, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
- Deposits +7.5% year over year ($1.6B on the books).
- Delinquency rate 0.50%.
- Return on assets 0.39%.
- Efficiency ratio 69.22% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.71% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Colorado Federal Savings Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.9% in tier
- - NIB Deposit Bleed: Bottom 19.6% in tier
- - Liquidity Overhang: Bottom 27.3% in tier
- - Liquidity Strain: Bottom 46.5% in tier
- - Return on Assets 1.00% below tier average
- - Net Interest Margin 1.92% below tier average
- - Non-Interest Income / Assets 0.64% below tier average
- - Efficiency Ratio 9.49% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-4.0% YoY
-10.3% QoQ
|
-$481.3M |
$2.8B
-0.6% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$1.6B
+3.1% YoY
-4.8% QoQ
|
-$325.8M |
$2.0B
-0.3% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$1.6B
+7.5% YoY
+6.9% QoQ
|
-$709.0M |
$2.3B
-0.5% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.39%
+5.7% YoY
+54.6% QoQ
|
-1.00% |
1.39%
+17.0% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.6% in tier |
| Net Interest Margin ? |
1.95%
+35.9% YoY
+1.0% QoQ
|
-1.92% |
3.87%
+6.2% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio ? |
69.22%
+12.7% YoY
-12.4% QoQ
|
+9.49% |
59.73%
-12.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.50%
+58.7% YoY
+19.1% QoQ
|
-0.36% |
0.87%
+11.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
101.71%
-4.0% YoY
-10.9% QoQ
|
+16.68% |
85.04%
-0.1% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.69%
-21.7% YoY
-12.2% QoQ
|
-7.58% |
21.27%
-1.5% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.36%
+70.4% YoY
+26.5% QoQ
|
-0.32% |
0.67%
+11.7% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
16.64%
+4.2% YoY
+3.8% QoQ
|
+1.80% |
14.84%
-0.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
-0.11%
-105.5% YoY
-42.3% QoQ
|
-0.64% |
0.53%
+2.5% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.3% in tier |
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 |
13.7%
-3.8pp YoY -1.9pp QoQ |
-7.7pp | 21.4% | 23.5% | 22.2% | 22% |
| Brokered Deposits |
13.7%
+1.1pp YoY -0.1pp QoQ |
+4.2pp | 9.5% | 7.4% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.5%
0.0pp QoQ |
-13.5pp | 14.0% | 8.4% | 12.5% | 1% |
| CRE |
29.5%
-0.5pp YoY +1.4pp QoQ |
-20.5pp | 50.0% | 42.8% | 41.4% | 11% |
| 1-4 Family |
65.5%
-0.8pp YoY -0.5pp QoQ |
+39.1pp | 26.4% | 33.0% | 31.3% | 96% |
| Consumer | n/a | n/a | 4.7% | 3.9% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.6%
+0.7pp YoY +0.6pp QoQ |
+1.0pp | 15.6% | 24.9% | 19.7% | 81% |
| Leverage Ratio |
10.5%
+0.1pp YoY +0.5pp QoQ |
-0.8pp | 11.3% | 12.5% | 12.6% | 49% |
| Total Capital Ratio |
17.5%
+0.6pp YoY +0.6pp QoQ |
+0.8pp | 16.7% | 26.1% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
77
+11 (+16.7%) YoY +2 (+2.7%) QoQ |
-237 | 313 | 107 | 482 | 3% |
| Assets per Employee ($) |
$30.0M
-17.7% YoY -12.6% QoQ |
+$19.5M | $10.5M | $7.8M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.7% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.2pp YoY +0.1pp QoQ |
-0.3pp | 0.8% | 0.8% | 1.0% | 49% |
| Allowance Coverage |
1.62x
-39.8% YoY -13.2% QoQ |
-17.09x | 18.71x | 12.16x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.9%
+0.3pp YoY +1.2pp QoQ |
-8.7pp | 12.6% | 9.7% | 11.6% | 5% |
| Cost of Funds (YTD) |
3.1%
-0.6pp YoY +0.1pp QoQ |
+1.2pp | 1.9% | 1.7% | 1.7% | 96% |
| Net Income ($, YTD) |
$5.0M
+15.8% YoY — QoQ |
-$14.2M | $19.2M | $5.4M | $40.4M | 11% |
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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 (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
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.