BlastPoint's Banking Scorecard
Alamosa State Bank
Micro
Specialty: Agricultural
CO
FDIC cert 13947
Designations: ✓ Community bank
Alamosa, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Alamosa State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.99% above tier
- + Efficiency Ratio 23.11% below 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 ? |
$338.2M
+0.6% YoY
-1.7% QoQ
|
+$120.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$173.3M
-0.6% YoY
+3.0% QoQ
|
+$34.1M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$296.1M
-1.2% YoY
-2.5% QoQ
|
+$112.4M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
2.08%
-0.1% YoY
-6.6% QoQ
|
+0.99% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.85%
+3.2% YoY
+1.0% QoQ
|
0 |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
44.62%
+3.7% YoY
+11.0% QoQ
|
-23.11% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.01%
+28.5% YoY
+219.1% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
58.52%
+0.6% YoY
+5.6% QoQ
|
-16.00% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
26.09%
+1.5% YoY
-1.8% QoQ
|
+3.70% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.01%
+27.0% YoY
+234.2% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
21.70%
+9.3% YoY
-0.6% QoQ
|
+12.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.19%
-4.3% YoY
+38.8% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
44.62%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Efficiency Ratio
Current: 44.62% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.70% · Tier avg: 8.85%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
80
80th pctile
Total Deposits
Current: $296.1M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $338.2M · Tier avg: $217.5M
67
67th pctile
Total Loans
Current: $173.3M · Tier avg: $139.2M
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 22.39%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.52% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.52% · Tier avg: 74.53%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 22.39%
67
67th pctile
Total Loans
Current: $173.3M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $338.2M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $296.1M · Tier avg: $183.7M
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.70% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 44.62% · Tier avg: 67.73%