BlastPoint's Banking Scorecard
The Dolores State Bank
Micro
Specialty: Commercial
CO
FDIC cert 17959
Designations: ✓ Community bank
Dolores, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
The Dolores State Bank shows strong momentum with 1 strength and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.69% 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 ? |
$447.7M
+7.2% YoY
+0.8% QoQ
|
+$230.2M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$316.3M
+11.8% YoY
+1.1% QoQ
|
+$177.1M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$353.2M
+1.5% YoY
+2.1% QoQ
|
+$169.6M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.89%
+8.2% YoY
+6.0% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.50%
+5.6% YoY
+0.6% QoQ
|
+0.64% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
45.03%
-4.2% YoY
-3.3% QoQ
|
-22.69% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.33%
+12.6% YoY
+3.6% QoQ
|
+0.69% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
89.54%
+10.2% YoY
-0.9% QoQ
|
+15.01% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
25.78%
+2.7% YoY
-1.0% QoQ
|
+3.38% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.94%
+17.5% YoY
+4.0% QoQ
|
+0.48% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
20.46%
+0.2% YoY
-0.0% QoQ
|
+11.61% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.46%
-5.5% YoY
+29.9% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.03%
(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: 45.03% · Tier avg: 67.73%
95
95th pctile
Total Loans
Current: $316.3M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $447.7M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $353.2M · Tier avg: $183.7M
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.46% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.78% · Tier avg: 22.39%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.54% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.33% · Tier avg: 0.64%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.54% · Tier avg: 74.53%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.78% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.46% · Tier avg: 8.85%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
90
90th pctile
Total Deposits
Current: $353.2M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $447.7M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $316.3M · Tier avg: $139.2M
95
95th pctile
Efficiency Ratio
Current: 45.03% · Tier avg: 67.73%