BlastPoint's Banking Scorecard
bankcda
Coeur D Alene, ID
7 branches across ID · WA
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 5 in ID.
- Deposits +7.4% year over year ($210.3M on the books).
- Delinquency rate 2.74%.
- Return on assets 0.84%.
- Efficiency ratio 78.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
bankcda has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.82% above tier average
- - ROA 0.48% below tier average
- - Efficiency Ratio 14.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.9M
+5.1% YoY
+2.6% QoQ
|
-$147.7M |
$386.6M
+1.2% YoY
|
$1.2B
+4.9% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$142.7M
+5.7% YoY
+6.3% QoQ
|
-$115.7M |
$258.3M
+1.7% YoY
|
$741.9M
+9.8% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$210.3M
+7.4% YoY
+5.3% QoQ
|
-$116.5M |
$326.7M
+0.7% YoY
|
$1.0B
+5.9% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
0.84%
+28.2% YoY
+6.0% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.42%
+7.8% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
4.43%
+9.1% YoY
+2.7% QoQ
|
+0.45% |
3.99%
+5.0% YoY
|
4.21%
+5.4% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
78.72%
+6.1% YoY
-3.2% QoQ
|
+14.24% |
64.48%
-3.2% YoY
|
57.44%
-5.2% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
2.74%
+488.7% YoY
-5.9% QoQ
|
+1.82% |
0.92%
+15.7% YoY
|
1.19%
+207.4% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.3% in tier |
| Loan-to-Deposit Ratio ? |
67.84%
-1.6% YoY
+0.9% QoQ
|
-10.11% |
77.95%
+1.0% YoY
|
74.07%
+1.8% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
24.71%
+6.0% YoY
+11.1% QoQ
|
+2.68% |
22.03%
-0.6% YoY
|
28.32%
+5.3% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.64%
+492.2% YoY
-2.5% QoQ
|
+0.97% |
0.67%
+16.4% YoY
|
0.71%
+195.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
11.45%
-15.2% YoY
-16.2% QoQ
|
-4.46% |
15.91%
+1.4% YoY
|
15.84%
+2.7% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.20%
-0.4% YoY
+108.9% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.23%
+7.1% YoY
|
0.66%
+5.2% YoY
|
49% |
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 (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.7%
+1.4pp YoY +2.5pp QoQ |
+2.6pp | 22.1% | 28.3% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
+2.0pp YoY +3.4pp QoQ |
+3.8pp | 11.6% | 16.5% | 12.5% | 77% |
| CRE |
68.8%
+2.0pp YoY -1.3pp QoQ |
+29.3pp | 39.5% | 45.4% | 41.4% | 92% |
| 1-4 Family |
14.1%
-3.3pp YoY -1.6pp QoQ |
-18.5pp | 32.6% | 20.7% | 31.3% | 18% |
| Consumer |
0.5%
-0.1pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 7.4% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
11.4%
-2.0pp YoY -2.2pp QoQ |
-0.7pp | 12.2% | 12.6% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+1 (+2.4%) YoY +3 (+7.7%) QoQ |
-17 | 58 | 143 | 482 | 44% |
| Assets per Employee ($) |
$5.7M
+2.6% YoY -4.7% QoQ |
-$1.8M | $7.5M | $8.0M | $8.8M | 27% |
| Branch Count |
7
+1 (+16.7%) YoY 0 QoQ |
+2 | 4 | 11 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
2.7%
+2.3pp YoY -0.2pp QoQ |
+1.8pp | 0.9% | 1.3% | 1.0% | 93% |
| Allowance Coverage |
0.55x
-81.4% YoY +2.4% QoQ |
-23.60x | 24.15x | 25.14x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.9%
+1.5pp YoY +0.7pp QoQ |
-5.3pp | 12.2% | 11.8% | 11.6% | 20% |
| Cost of Funds (YTD) |
0.9%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.4% | 1.7% | 7% |
| Net Income ($, YTD) |
$1.0M
+30.7% YoY — QoQ |
-$1.6M | $2.6M | $8.6M | $40.4M | 27% |
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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.