BlastPoint's Banking Scorecard
Main Bank
Micro
Specialty: Commercial
NM
FDIC cert 22086
Designations: ✓ Community bank
Albuquerque, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Main Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above tier
- + Efficiency Ratio 20.20% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.0M
-3.2% YoY
-9.5% QoQ
|
+$33.5M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$190.3M
-2.6% YoY
-3.1% QoQ
|
+$51.1M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$215.4M
+5.0% YoY
-10.5% QoQ
|
+$31.8M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.27%
+43.0% YoY
+5.9% QoQ
|
+1.18% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.33%
+18.9% YoY
+3.0% QoQ
|
+0.48% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
47.53%
-9.3% YoY
-3.6% QoQ
|
-20.20% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.32%
-7.2% YoY
+8.2% QoQ
|
+13.79% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
26.66%
-12.7% YoY
+3.4% QoQ
|
+4.26% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.60%
+8.8% YoY
+2.7% QoQ
|
+5.75% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.23%
+109.1% YoY
+27.7% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.27%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.53%
(Tier avg: 67.73%, National avg: 65.09%)
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%)
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%
94
94th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.53% · Tier avg: 67.73%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.32% · Tier avg: 74.53%
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
71
71th pctile
Total Loans
Current: $190.3M · Tier avg: $139.2M
71
71th pctile
Tier 1 Capital Ratio
Current: 14.60% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
63
63th pctile
Total Deposits
Current: $215.4M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $251.0M · Tier avg: $217.5M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
63
63th pctile
Total Assets
Current: $251.0M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $215.4M · Tier avg: $183.7M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.66% · Tier avg: 22.39%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.60% · Tier avg: 8.85%
71
71th pctile
Total Loans
Current: $190.3M · Tier avg: $139.2M
73
73th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.32% · Tier avg: 74.53%
93
93th pctile
Efficiency Ratio
Current: 47.53% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.08%
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%