BlastPoint's Banking Scorecard
Transact Bank, National Association
Micro
Specialty: Commercial
CO
FDIC cert 13986
Designations: ✓ Community bank
Denver, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Transact Bank, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 29.89% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 29.58% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.85% below tier
- - Efficiency Ratio 35.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.6M
+0.9% YoY
-9.1% QoQ
|
-$210.9M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$2.3M
-4.8% YoY
-1.3% QoQ
|
-$136.9M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$5.2M
-0.8% YoY
-11.1% QoQ
|
-$178.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-0.77%
+92.7% YoY
+50.9% QoQ
|
-1.85% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.37%
-35.5% YoY
-5.0% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
102.75%
-33.0% YoY
-2.9% QoQ
|
+35.02% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
44.64%
-4.0% YoY
+11.0% QoQ
|
-29.89% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.86%
-17.2% YoY
-15.4% QoQ
|
+13.47% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
38.43%
-11.1% YoY
+4.4% QoQ
|
+29.58% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
26.27%
+47.3% YoY
+51.8% QoQ
|
+25.70% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.64%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.43%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.77%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.75%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.43% · Tier avg: 8.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.64% · Tier avg: 74.53%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.86% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
4
4th pctile
Efficiency Ratio
Current: 102.75% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.77% · Tier avg: 1.08%
1
1th pctile
Total Loans
Current: $2.3M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $5.2M · Tier avg: $183.7M
0
0th pctile
Total Assets
Current: $6.6M · Tier avg: $217.5M
Top Weaknesses
0
0th pctile
Total Assets
Current: $6.6M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $5.2M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $2.3M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -0.77% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.75% · Tier avg: 67.73%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.86% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.64% · Tier avg: 74.53%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.43% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%