BlastPoint's Banking Scorecard
Stockmens Bank
Colorado Springs, CO
11 branches across MO · CO · NE
Stockmens Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.99% above tier average
- + ROA 0.28% above tier average
- + Efficiency Ratio 12.23% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$591.8M
+10.9% YoY
+4.4% QoQ
|
+$205.7M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$496.8M
+15.0% YoY
-0.9% QoQ
|
+$241.1M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Top 11.2% in tier |
| Total Deposits ? |
$509.1M
+9.2% YoY
+4.4% QoQ
|
+$181.1M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.55%
+14.8% YoY
+5.9% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.92%
+8.9% YoY
+3.2% QoQ
|
+0.99% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 8.6% in tier |
| Efficiency Ratio ? |
53.06%
-5.8% YoY
-4.4% QoQ
|
-12.23% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.52%
+58.8% YoY
+83.8% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
97.59%
+5.3% YoY
-5.1% QoQ
|
+20.96% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.79%
-2.4% YoY
-7.6% QoQ
|
+4.77% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.48%
+80.4% YoY
+91.0% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.30%
+0.4% YoY
+2.4% QoQ
|
-2.53% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.05%
-23.1% YoY
-81.3% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.