BlastPoint's Banking Scorecard
The Bank of Commerce
Community
Specialty: Commercial
ID
FDIC cert 18059
Ammon, ID
1484
banks in Community tier nationally
6 in ID
View Community leaderboard (ID) →
The Bank of Commerce has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 25% in Community
- + Return on Assets 0.96% above tier
- + Efficiency Ratio 26.28% below tier
- + Tier 1 Capital Ratio 8.86% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.1% YoY
-1.5% QoQ
|
+$869.4M |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.6B
+14.5% YoY
+5.4% QoQ
|
+$637.9M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.9B
+5.3% YoY
+0.5% QoQ
|
+$744.7M |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
2.13%
-1.2% YoY
-9.7% QoQ
|
+0.96% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.68%
+1.5% YoY
+0.9% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
36.35%
+0.7% YoY
+14.5% QoQ
|
-26.28% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.59%
-46.1% YoY
+126.4% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
84.50%
+8.8% YoY
+4.9% QoQ
|
+1.44% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
38.64%
-2.1% YoY
-1.3% QoQ
|
+17.60% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.42%
-40.7% YoY
+142.2% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
19.10%
+5.5% YoY
-8.5% QoQ
|
+8.86% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.27%
-3.2% YoY
+34.9% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#38 of 150 · Top 25% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.64%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.68%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.13%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.35%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.10%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#95 of 268 · Bottom 35% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.10%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
84.50%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
97
97th pctile
Efficiency Ratio
Current: 36.35% · Tier avg: 62.63%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.64% · Tier avg: 21.05%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.16%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.10% · Tier avg: 10.24%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 83.06%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 83.06%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.10% · Tier avg: 10.24%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.16%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.64% · Tier avg: 21.05%
97
97th pctile
Efficiency Ratio
Current: 36.35% · Tier avg: 62.63%