BlastPoint's Banking Scorecard
Pikes Peak National Bank
Micro
Specialty: Commercial
CO
FDIC cert 17782
Designations: ✓ Community bank
Colorado Springs, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Pikes Peak National Bank shows strong momentum with 3 strengths and 7.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 14.54% 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 ? |
$109.9M
+7.9% YoY
-1.6% QoQ
|
-$107.6M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$69.6M
+9.9% YoY
-0.1% QoQ
|
-$69.6M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$92.4M
+8.2% YoY
-2.1% QoQ
|
-$91.3M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.69%
-3.3% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
4.53%
+13.5% YoY
+0.9% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
80.61%
-19.8% YoY
+0.5% QoQ
|
+12.89% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
20% |
| 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 ? |
75.28%
+1.6% YoY
+2.0% QoQ
|
+0.75% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
34.81%
-12.5% YoY
-4.3% QoQ
|
+12.42% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? |
23.39%
+1.1% YoY
+1.7% QoQ
|
+14.54% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.41%
+57.5% YoY
+15.6% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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 9%
in Micro
Why this stands out
Current:
23.39%
(Tier avg: 8.85%, National avg: 9.75%)
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
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%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.39% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.81% · Tier avg: 22.39%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.28% · Tier avg: 74.53%
29
29th pctile
Total Loans
Current: $69.6M · Tier avg: $139.2M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
26
26th pctile
Total Deposits
Current: $92.4M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $109.9M · Tier avg: $217.5M
20
20th pctile
Efficiency Ratio
Current: 80.61% · Tier avg: 67.73%
Top Weaknesses
20
20th pctile
Efficiency Ratio
Current: 80.61% · Tier avg: 67.73%
25
25th pctile
Total Assets
Current: $109.9M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $92.4M · Tier avg: $183.7M
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
29
29th pctile
Total Loans
Current: $69.6M · Tier avg: $139.2M
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.28% · Tier avg: 74.53%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.81% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.39% · 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%