BlastPoint's Banking Scorecard
The Gunnison Bank and Trust Company
Micro
Specialty: Commercial
CO
FDIC cert 11259
Designations: ✓ Community bank
Gunnison, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
The Gunnison Bank and Trust Company shows strong momentum with 2 strengths and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.39% above tier
- + Non-Interest-Bearing Deposit Share 24.94% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.0M
+8.2% YoY
-2.0% QoQ
|
+$32.5M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$162.2M
+9.3% YoY
-0.8% QoQ
|
+$23.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$206.1M
+5.4% YoY
-2.4% QoQ
|
+$22.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.87%
+4.3% YoY
-10.2% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.25%
+3.5% YoY
+0.3% QoQ
|
+1.39% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
54.92%
-1.5% YoY
+9.7% QoQ
|
-12.80% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.06%
+23.4% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
78.67%
+3.7% YoY
+1.6% QoQ
|
+4.14% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
47.34%
-5.1% YoY
-1.3% QoQ
|
+24.94% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+24.8% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.77%
-5.3% YoY
+35.0% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.25%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.34%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.34% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
81
81th pctile
Efficiency Ratio
Current: 54.92% · Tier avg: 67.73%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
64
64th pctile
Total Loans
Current: $162.2M · Tier avg: $139.2M
62
62th pctile
Total Assets
Current: $250.0M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $206.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.67% · Tier avg: 74.53%
Top Weaknesses
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.67% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $206.1M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $250.0M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $162.2M · Tier avg: $139.2M
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
81
81th pctile
Efficiency Ratio
Current: 54.92% · Tier avg: 67.73%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.34% · Tier avg: 22.39%