BlastPoint's Banking Scorecard

First American State Bank

$100M-$1B Specialty: Commercial CO FDIC cert 34040

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +3.4% year over year ($207.1M on the books).
Delinquency rate 0.25%.
Return on assets 0.44%.
Efficiency ratio 80.88% vs a 64.48% peer average.
Loan-to-deposit ratio 93.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

First American State Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.9% in tier
- Efficiency Drag: Bottom 24.4% in tier
- Net Interest Margin 1.10% below tier average
- Non-Interest Income / Assets 0.54% below tier average
- ROA 0.88% below tier average

Get updates when First American State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$276.9M -5.3% YoY -1.7% QoQ	-$109.7M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	42%
Total Loans ?	$192.8M -9.4% YoY -2.6% QoQ	-$65.5M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$207.1M +3.4% YoY +2.8% QoQ	-$119.6M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	0.44% +6.2% YoY +4.3% QoQ	-0.88%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Bottom 10.7% in tier
Net Interest Margin ?	2.89% +7.1% YoY -0.3% QoQ	-1.10%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Bottom 7.4% in tier
Efficiency Ratio ?	80.88% +2.0% YoY -1.0% QoQ	+16.41%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Bottom 12.8% in tier
Delinquency Rate ?	0.25% -18.1% YoY -24.3% QoQ	-0.67%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	93.09% -12.4% YoY -5.3% QoQ	+15.13%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	14.69% +10.9% YoY +7.0% QoQ	-7.34%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.57% -45.3% YoY -38.9% QoQ	-0.10%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	15.07% +12.5% YoY +2.2% QoQ	-0.84%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.02% -43.2% YoY +141.3% QoQ	-0.54%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	Bottom 1.9% in tier

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	14.7% +1.4pp YoY +1.0pp QoQ	-7.5pp	22.1%	23.5%	22.2%	22%
Brokered Deposits	9.1% -5.9pp YoY +2.1pp QoQ	+1.2pp	7.9%	7.4%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	2.7% 0.0pp YoY 0.0pp QoQ	-8.8pp	11.6%	8.4%	12.5%	9%
CRE	57.3% 0.0pp YoY +0.7pp QoQ	+17.7pp	39.5%	42.8%	41.4%	81%
1-4 Family	41.2% 0.0pp YoY -0.7pp QoQ	+8.6pp	32.6%	33.0%	31.3%	72%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	3.9%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	15.1% +1.7pp YoY +0.3pp QoQ	-3.8pp	18.8%	24.9%	19.7%	49%
Leverage Ratio	9.7% +0.8pp YoY +0.3pp QoQ	-2.5pp	12.2%	12.5%	12.6%	25%
Total Capital Ratio	16.3% +1.7pp YoY +0.3pp QoQ	-3.6pp	19.9%	26.1%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	21 +2 (+10.5%) YoY -1 (-4.5%) QoQ	-38	58	107	482	12%
Assets per Employee ($)	$13.2M -14.3% YoY +2.9% QoQ	+$5.7M	$7.5M	$7.8M	$8.8M	95%
Branch Count	1 0 YoY 0 QoQ	-4	4	7	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.4%	8%
Nonaccrual	0.8% -0.4pp YoY -0.5pp QoQ	-0.1pp	0.9%	0.8%	1.0%	67%
Allowance Coverage	3.97x +26.5% YoY +35.6% QoQ	-20.18x	24.15x	12.16x	20.23x	65%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	4.9% 0.0pp YoY +0.2pp QoQ	-7.3pp	12.2%	9.7%	11.6%	13%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.7%	1.7%	94%
Net Income ($, YTD)	$622,000 +2.0% YoY — QoQ	-$1.9M	$2.6M	$5.4M	$40.4M	14%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Liquidity Strain

risk

#7 of 691 • Bottom 0.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#89 of 361 • Bottom 24.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.88%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2594

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2594 of 2643 Bottom 1.9% in $100M-$1B

2448

Net Interest Margin

profitability

Value: 2.89%

Peer Median: 3.99%

#2448 of 2643 Bottom 7.4% in $100M-$1B

2360

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.32%

#2360 of 2643 Bottom 10.7% in $100M-$1B

2307

Efficiency Ratio

profitability

Value: 80.88%

Peer Median: 64.48%

#2307 of 2643 Bottom 12.8% in $100M-$1B

2112

Loan-to-Deposit Ratio

liquidity

Value: 93.09%

Peer Median: 77.95%

#2112 of 2643 Bottom 20.1% in $100M-$1B

2037

Non-Interest-Bearing Deposit Share

funding

Value: 14.69%

Peer Median: 22.03%

#2037 of 2643 Bottom 23.0% in $100M-$1B