BlastPoint's Banking Scorecard

Redstone Bank

$100M-$1B Specialty: Commercial CO FDIC cert 58826

Centennial, CO

3 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Redstone Bank has 2 strengths but faces 3 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.75% below tier average
- Net Interest Margin 0.55% below tier average
- Efficiency Ratio 10.48% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$304.7M +27.4% YoY +2.9% QoQ	-$81.3M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$170.7M +11.8% YoY +0.5% QoQ	-$85.0M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$269.5M +30.2% YoY +3.0% QoQ	-$58.5M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	0.52% -11.6% YoY -15.3% QoQ	-0.75%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Bottom 13.6% in tier
Net Interest Margin ?	3.38% -17.6% YoY -16.1% QoQ	-0.55%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	75.77% -0.5% YoY +2.8% QoQ	+10.48%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	63.33% -14.1% YoY -2.5% QoQ	-13.30%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	21.38% -15.1% YoY +8.9% QoQ	-0.64%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.82% -24.3% YoY +8.6% QoQ	-4.01%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.04% -4.1% YoY -69.2% QoQ	-0.24%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	16%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

610

Loan-to-Deposit Ratio

liquidity

Value: 63.33%

Peer Median: 76.64%

#610 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (3 metrics)

2304

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.27%

#2304 of 2664 Bottom 13.6% in $100M-$1B

2237

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2237 of 2664 Bottom 16.1% in $100M-$1B

2101

Efficiency Ratio

profitability

Value: 75.77%

Peer Median: 65.29%

#2101 of 2664 Bottom 21.2% in $100M-$1B