BlastPoint's Banking Scorecard
The Colorado Bank and Trust Company of La Junta
Micro
Specialty: Commercial
CO
FDIC cert 1141
Designations: ✓ Community bank
La Junta, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
The Colorado Bank and Trust Company of La Junta shows strong momentum with 1 strength and 30.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.34% 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 ? |
$316.2M
+30.2% YoY
+18.8% QoQ
|
+$98.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$226.2M
+28.0% YoY
+19.3% QoQ
|
+$87.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$268.0M
+35.6% YoY
+23.0% QoQ
|
+$84.3M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.60%
+2.8% YoY
-3.1% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
5.19%
-8.3% YoY
-0.2% QoQ
|
+1.34% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
62.57%
-1.4% YoY
+0.1% QoQ
|
-5.15% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.18%
+767.6% YoY
+4.4% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
84.41%
-5.6% YoY
-3.0% QoQ
|
+9.88% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
36.51%
+11.9% YoY
+10.7% QoQ
|
+14.11% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+753.0% YoY
+4.9% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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 ? |
0.73%
-23.1% YoY
+12.4% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.19%
(Tier avg: 3.85%, National avg: 3.75%)
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
93
93th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.51% · Tier avg: 22.39%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
75
75th pctile
Total Assets
Current: $316.2M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $268.0M · Tier avg: $183.7M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
60
60th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.41% · Tier avg: 74.53%
Top Weaknesses
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.41% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 67.73%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
75
75th pctile
Total Deposits
Current: $268.0M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $316.2M · Tier avg: $217.5M
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.51% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.19% · Tier avg: 3.85%