BlastPoint's Banking Scorecard
Redstone Bank
Centennial, CO
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +15.6% year over year ($262.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.53%.
- Efficiency ratio 75.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Redstone Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Net Interest Margin 0.51% below tier average
- - Efficiency Ratio 11.08% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.2M
+15.0% YoY
-2.2% QoQ
|
-$88.4M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$170.9M
+2.2% YoY
+0.1% QoQ
|
-$87.4M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$262.7M
+15.6% YoY
-2.5% QoQ
|
-$64.0M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.53%
+4.1% YoY
+2.6% QoQ
|
-0.79% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.9% in tier |
| Net Interest Margin ? |
3.47%
-13.4% YoY
+2.9% QoQ
|
-0.51% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
75.56%
-3.5% YoY
-0.3% QoQ
|
+11.08% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.07%
-11.6% YoY
+2.7% QoQ
|
-12.89% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
21.44%
-9.0% YoY
+0.3% QoQ
|
-0.59% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.98%
-17.8% YoY
+1.3% QoQ
|
-3.93% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.07%
-11.8% YoY
+64.9% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.4% 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 |
21.4%
-2.1pp YoY +0.1pp QoQ |
-0.7pp | 22.1% | 23.5% | 22.2% | 52% |
| Brokered Deposits |
11.9%
+3.1pp YoY +0.4pp QoQ |
+4.0pp | 7.9% | 7.4% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
-2.0pp YoY -0.4pp QoQ |
-5.9pp | 11.6% | 8.4% | 12.5% | 24% |
| CRE |
65.0%
-4.1pp YoY -1.0pp QoQ |
+25.4pp | 39.5% | 42.8% | 41.4% | 89% |
| 1-4 Family |
25.9%
+2.7pp YoY +1.9pp QoQ |
-6.8pp | 32.6% | 33.0% | 31.3% | 42% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.9% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
12.0%
-0.4pp YoY +0.2pp QoQ |
-0.2pp | 12.2% | 12.5% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+1 (+3.3%) YoY 0 QoQ |
-28 | 58 | 107 | 482 | 28% |
| Assets per Employee ($) |
$9.6M
+11.3% YoY -2.2% QoQ |
+$2.1M | $7.5M | $7.8M | $8.8M | 84% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.7%
+0.7pp YoY +0.1pp QoQ |
-7.5pp | 12.2% | 9.7% | 11.6% | 12% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.7% | 1.7% | 86% |
| Net Income ($, YTD) |
$792,000
+27.5% YoY — QoQ |
-$1.8M | $2.6M | $5.4M | $40.4M | 19% |
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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.