BlastPoint's Banking Scorecard
The Bank of Baker
Baker, MT
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 23 in MT.
- Deposits +1.9% year over year ($142.2M on the books).
- Delinquency rate 0.73%.
- Return on assets 1.52%.
- Efficiency ratio 63.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Baker has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 1.12% below tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.9M
+2.1% YoY
-2.6% QoQ
|
-$225.7M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$88.7M
+4.6% YoY
+1.4% QoQ
|
-$169.7M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.3% in tier |
| Total Deposits ? |
$142.2M
+1.9% YoY
-2.6% QoQ
|
-$184.6M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.52%
+41.5% YoY
+1.6% QoQ
|
+0.20% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
4.13%
+1.0% YoY
+5.1% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
63.36%
-4.8% YoY
+2.3% QoQ
|
-1.12% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.73%
-19.8% YoY
-5.6% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
62.37%
+2.6% YoY
+4.1% QoQ
|
-15.58% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
32.95%
+9.5% YoY
+0.5% QoQ
|
+10.92% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.51%
-28.5% YoY
-17.4% QoQ
|
-0.16% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.85%
-1.6% YoY
+0.8% QoQ
|
-5.06% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.13%
-8.8% YoY
+114.2% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
29% |
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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.0%
+2.9pp YoY +0.2pp QoQ |
+10.8pp | 22.1% | 26.8% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.2%
-1.3pp YoY +0.1pp QoQ |
+9.7pp | 11.6% | 14.3% | 12.5% | 90% |
| CRE |
30.5%
-0.1pp YoY -0.2pp QoQ |
-9.0pp | 39.5% | 42.8% | 41.4% | 35% |
| 1-4 Family |
7.3%
0.0pp YoY +0.1pp QoQ |
-25.4pp | 32.6% | 26.0% | 31.3% | 7% |
| Consumer |
1.5%
-0.5pp YoY -0.1pp QoQ |
-2.6pp | 4.1% | 2.7% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
10.9%
-0.2pp YoY +0.1pp QoQ |
-1.3pp | 12.2% | 13.2% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
-1 (-4.3%) YoY 0 QoQ |
-37 | 58 | 284 | 482 | 14% |
| Assets per Employee ($) |
$7.3M
+6.7% YoY -2.6% QoQ |
-$205K | $7.5M | $8.1M | $8.8M | 58% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.6% | 0.4% | 30% |
| Nonaccrual |
0.7%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 0.9% | 1.1% | 1.0% | 62% |
| Allowance Coverage |
1.98x
+19.8% YoY +4.2% QoQ |
-22.18x | 24.15x | 3.69x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.0% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+3.8pp YoY +0.2pp QoQ |
+1.7pp | 12.2% | 14.2% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 33% |
| Net Income ($, YTD) |
$1.2M
+45.8% YoY — QoQ |
-$1.3M | $2.6M | $14.9M | $40.4M | 34% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.