BlastPoint's Banking Scorecard
Champion Bank
Designations: ✓ Community bank
Parker, CO
2 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 536 banks in the under $100M peer group nationwide — 1 of 6 in CO.
- Deposits -20.5% year over year ($25.3M on the books).
- Delinquency rate 1.04%.
- Return on assets -2.12%.
- Efficiency ratio 140.64% vs a 119.40% peer average.
- Loan-to-deposit ratio 54.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Champion Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.46% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.11% below tier average
- - Efficiency Ratio 21.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.7M
-14.2% YoY
-0.1% QoQ
|
-$20.7M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$13.8M
-7.5% YoY
-0.3% QoQ
|
-$21.1M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$25.3M
-20.5% YoY
+0.6% QoQ
|
-$26.3M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
-2.12%
-78.0% QoQ
|
-3.11% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.3% in tier |
| Net Interest Margin ? |
3.88%
+1.5% YoY
+0.6% QoQ
|
-0.04% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
140.64%
+37.5% YoY
+14.3% QoQ
|
+21.24% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate ? |
1.04%
+0.3% QoQ
|
-0.45% |
1.48%
+31.8% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
54.65%
+16.4% YoY
-0.9% QoQ
|
-19.56% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
32.00%
-6.3% YoY
+3.3% QoQ
|
+8.51% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.40%
+711.0% YoY
+0.1% QoQ
|
-0.44% |
0.84%
+23.0% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
94.00%
+5.4% YoY
-3.0% QoQ
|
+66.88% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Top 3.9% in tier |
| Non-Interest Income / Assets ? |
0.92%
-12.0% YoY
+98.7% QoQ
|
-0.46% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 5.2% 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 |
32.0%
-2.1pp YoY +1.0pp QoQ |
+7.4pp | 24.6% | 23.5% | 22.2% | 79% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 8.4% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 42.8% | 41.4% | n/a |
| 1-4 Family |
13.2%
+1.6pp YoY 0.0pp QoQ |
-21.8pp | 35.0% | 33.0% | 31.3% | 26% |
| Consumer |
0.1%
+0.1pp YoY +0.1pp QoQ |
-7.5pp | 7.7% | 3.9% | 5.0% | 1% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
94.0%
+4.8pp YoY -2.9pp QoQ |
+55.3pp | 38.7% | 24.9% | 19.7% | 93% |
| Leverage Ratio |
39.3%
+4.1pp YoY +1.6pp QoQ |
+21.6pp | 17.7% | 12.5% | 12.6% | 95% |
| Total Capital Ratio |
95.3%
+4.8pp YoY -2.9pp QoQ |
+55.6pp | 39.7% | 26.1% | 20.8% | 93% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
-1 (-7.1%) YoY 0 QoQ |
+1 | 12 | 107 | 482 | 62% |
| Assets per Employee ($) |
$3.2M
-7.6% YoY -0.1% QoQ |
-$3.0M | $6.2M | $7.8M | $8.8M | 10% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.7% | 0.4% | n/a |
| Nonaccrual |
1.0%
0.0pp QoQ |
-0.7pp | 1.7% | 0.8% | 1.0% | 57% |
| Allowance Coverage |
2.71x
0.0% QoQ |
-3.70x | 6.41x | 12.16x | 20.23x | 68% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.6%
-5.2pp YoY -2.4pp QoQ |
-12.0pp | 6.4% | 9.7% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 1.4% | 1.7% | 1.7% | 43% |
| Net Income ($, YTD) |
$-458000.0
-1426.7% YoY — QoQ |
-$776K | $317,817 | $5.4M | $40.4M | 4% |
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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.