BlastPoint's Banking Scorecard
bankcda
Coeur D Alene, ID
7 branches across ID · WA
bankcda has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.3% in tier
- - Efficiency Drag: Bottom 45.4% in tier
- - Delinquency Rate 2.02% above tier average
- - Nonperforming Asset Ratio 1.04% above tier average
- - ROA 0.47% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.8M
+0.6% YoY
-4.1% QoQ
|
-$153.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$134.3M
+0.2% YoY
+1.5% QoQ
|
-$121.5M |
$255.7M
+1.1% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$199.7M
+2.8% YoY
-4.6% QoQ
|
-$128.2M |
$328.0M
+0.1% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.80%
+44.4% YoY
+0.0% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.32%
+11.8% YoY
+2.5% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
81.31%
+6.3% YoY
+9.6% QoQ
|
+16.02% |
65.29%
-4.5% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate ? |
2.91%
-1.9% QoQ
|
+2.02% |
0.89%
+18.8% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.4% in tier |
| Loan-to-Deposit Ratio ? |
67.22%
-2.5% YoY
+6.4% QoQ
|
-9.41% |
76.64%
+0.8% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
22.24%
+1.1% YoY
-4.5% QoQ
|
+0.22% |
22.02%
-1.0% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.68%
+3.9% QoQ
|
+1.04% |
0.64%
+19.7% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.4% in tier |
| Tier 1 Capital Ratio ? |
13.66%
+7.5% YoY
+6.0% QoQ
|
-2.17% |
15.83%
+1.5% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.10%
+2.6% YoY
-76.2% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
49% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.