BlastPoint's Banking Scorecard
Stockmens Bank
Colorado Springs, CO
13 branches across MO · CO · NE
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 +20.2% year over year ($567.4M on the books).
- Delinquency rate 0.18%.
- Return on assets 1.48%.
- Efficiency ratio 54.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 96.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Stockmens Bank shows strong momentum with 4 strengths and 19.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.80% above tier average
- + Efficiency Ratio 10.47% below tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.8M
+19.0% YoY
+10.0% QoQ
|
+$264.2M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$547.9M
+23.0% YoY
+10.3% QoQ
|
+$289.5M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Top 8.1% in tier |
| Total Deposits ? |
$567.4M
+20.2% YoY
+11.5% QoQ
|
+$240.7M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Top 14.7% in tier |
| Return on Assets ? |
1.48%
+5.6% YoY
-4.8% QoQ
|
+0.15% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.79%
+3.7% YoY
-2.6% QoQ
|
+0.80% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Top 12.2% in tier |
| Efficiency Ratio ? |
54.01%
-6.1% YoY
+1.8% QoQ
|
-10.47% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.18%
-43.4% YoY
-64.9% QoQ
|
-0.74% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
96.55%
+2.3% YoY
-1.1% QoQ
|
+18.60% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.86%
-9.4% YoY
-3.5% QoQ
|
+3.83% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.15%
-41.5% YoY
-67.9% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.01%
-15.6% YoY
-17.2% QoQ
|
-4.90% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.11%
-30.4% YoY
+104.7% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
25.9%
-2.7pp YoY -0.9pp QoQ |
+3.7pp | 22.1% | 23.5% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
9.4%
-2.4pp YoY -0.7pp QoQ |
-2.1pp | 11.6% | 8.4% | 12.5% | 49% |
| CRE |
28.7%
-1.3pp YoY +2.1pp QoQ |
-10.8pp | 39.5% | 42.8% | 41.4% | 32% |
| 1-4 Family |
28.9%
+4.8pp YoY -0.6pp QoQ |
-3.7pp | 32.6% | 33.0% | 31.3% | 49% |
| Consumer |
0.8%
+0.2pp YoY +0.2pp QoQ |
-3.3pp | 4.1% | 3.9% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.0%
-2.0pp YoY -2.3pp QoQ |
-7.8pp | 18.8% | 24.9% | 19.7% | 8% |
| Leverage Ratio |
10.6%
-0.6pp YoY -1.0pp QoQ |
-1.5pp | 12.2% | 12.5% | 12.6% | 44% |
| Total Capital Ratio |
12.3%
-2.0pp YoY -2.3pp QoQ |
-7.7pp | 19.9% | 26.1% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
+10 (+8.9%) YoY +4 (+3.4%) QoQ |
+63 | 58 | 107 | 482 | 93% |
| Assets per Employee ($) |
$5.3M
+9.2% YoY +6.4% QoQ |
-$2.2M | $7.5M | $7.8M | $8.8M | 20% |
| Branch Count |
13
+2 (+18.2%) YoY +1 (+8.3%) QoQ |
+8 | 4 | 7 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 28% |
| Allowance Coverage |
8.66x
+71.8% YoY +182.1% QoQ |
-15.49x | 24.15x | 12.16x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+0.7pp YoY -0.2pp QoQ |
+1.0pp | 12.2% | 9.7% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 45% |
| Net Income ($, YTD) |
$4.5M
+17.9% YoY — QoQ |
+$1.9M | $2.6M | $5.4M | $40.4M | 84% |
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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.