BlastPoint's Banking Scorecard
FirstBank
Large
Specialty: Commercial
CO
FDIC cert 18714
Lakewood, CO
69
banks in Large tier nationally
1 in CO
View Large leaderboard (CO) →
FirstBank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.85% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 20% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.5B
-2.8% YoY
-0.5% QoQ
|
-$48.4B |
$74.9B
-4.4% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$16.0B
-0.9% YoY
-0.1% QoQ
|
-$30.5B |
$46.4B
-2.1% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$23.1B
-4.0% YoY
-0.9% QoQ
|
-$37.4B |
$60.5B
-4.5% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.20%
+21.5% YoY
-0.8% QoQ
|
+0.01% |
1.19%
+17.8% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
2.78%
+12.6% YoY
+0.8% QoQ
|
-0.68% |
3.46%
+13.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
50.25%
-9.6% YoY
+1.7% QoQ
|
-4.78% |
55.03%
-2.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.56%
+111.4% YoY
+1.8% QoQ
|
-0.32% |
0.88%
-0.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
69.15%
+3.2% YoY
+0.8% QoQ
|
-12.57% |
81.72%
+3.9% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
32.82%
-1.2% YoY
-1.1% QoQ
|
+12.85% |
19.97%
+0.5% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+103.3% YoY
+4.6% QoQ
|
-0.21% |
0.55%
+9.0% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
16.10%
+5.0% YoY
+1.9% QoQ
|
+2.77% |
13.33%
-0.7% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.65%
+33.7% YoY
+25.6% QoQ
|
-0.43% |
1.09%
+2.4% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Large
Why this stands out
Current:
32.82%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (1)
Deposit Outflow
decline
#3 of 11 · Bottom 20% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 32.82% · Tier avg: 19.97%
82
82th pctile
Tier 1 Capital Ratio
Current: 16.10% · Tier avg: 13.33%
78
78th pctile
Loan-to-Deposit Ratio
Current: 69.15% · Tier avg: 81.72%
73
73th pctile
Efficiency Ratio
Current: 50.25% · Tier avg: 55.03%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.55%
68
68th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.88%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.19%
43
43th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 1.09%
16
16th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.46%
12
12th pctile
Total Deposits
Current: $23.1B · Tier avg: $60.5B
10
10th pctile
Total Loans
Current: $16.0B · Tier avg: $46.4B
3
3th pctile
Total Assets
Current: $26.5B · Tier avg: $74.9B
Top Weaknesses
3
3th pctile
Total Assets
Current: $26.5B · Tier avg: $74.9B
10
10th pctile
Total Loans
Current: $16.0B · Tier avg: $46.4B
12
12th pctile
Total Deposits
Current: $23.1B · Tier avg: $60.5B
16
16th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.46%
43
43th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 1.09%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.19%
68
68th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.88%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.55%
73
73th pctile
Efficiency Ratio
Current: 50.25% · Tier avg: 55.03%
78
78th pctile
Loan-to-Deposit Ratio
Current: 69.15% · Tier avg: 81.72%
82
82th pctile
Tier 1 Capital Ratio
Current: 16.10% · Tier avg: 13.33%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 32.82% · Tier avg: 19.97%