BlastPoint's Banking Scorecard
Ascent Bank
Micro
Specialty: Commercial
MT
FDIC cert 20162
Designations: ✓ Community bank
Helena, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Ascent Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$110.3M
+4.7% YoY
+0.5% QoQ
|
-$107.2M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$79.2M
+1.3% YoY
-0.9% QoQ
|
-$60.0M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$97.4M
+3.9% YoY
+0.6% QoQ
|
-$86.2M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.33%
+62.3% YoY
-0.8% QoQ
|
+0.24% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.48%
+11.8% YoY
+0.5% QoQ
|
+0.63% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
57.38%
-11.4% YoY
-0.1% QoQ
|
-10.35% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.76%
+354.3% YoY
+465.4% QoQ
|
+1.12% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
81.26%
-2.4% YoY
-1.5% QoQ
|
+6.74% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
19.72%
-5.5% YoY
-0.6% QoQ
|
-2.68% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.27%
+339.6% YoY
+457.5% QoQ
|
+0.81% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
13.96%
+6.9% YoY
+3.4% QoQ
|
+5.11% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.05%
-54.3% YoY
+49.3% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
79
79th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%
75
75th pctile
Efficiency Ratio
Current: 57.38% · Tier avg: 67.73%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.96% · Tier avg: 8.85%
66
66th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.08%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.72% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.26% · Tier avg: 74.53%
33
33th pctile
Total Loans
Current: $79.2M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $97.4M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $110.3M · Tier avg: $217.5M
15
15th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.45%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
26
26th pctile
Total Assets
Current: $110.3M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.4M · Tier avg: $183.7M
33
33th pctile
Total Loans
Current: $79.2M · Tier avg: $139.2M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.26% · Tier avg: 74.53%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.72% · Tier avg: 22.39%
66
66th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.08%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.96% · Tier avg: 8.85%
75
75th pctile
Efficiency Ratio
Current: 57.38% · Tier avg: 67.73%
79
79th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%