BlastPoint's Banking Scorecard
Bankers' Bank of the West
Micro
Specialty: Commercial
CO
FDIC cert 23210
Denver, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Bankers' Bank of the West has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 19.94% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 2.28% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 59.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.9M
+2.4% YoY
+7.2% QoQ
|
+$224.4M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$329.9M
+6.4% YoY
-0.1% QoQ
|
+$190.7M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$247.0M
-15.4% YoY
-7.6% QoQ
|
+$63.4M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.26%
+8.6% YoY
-11.4% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.82%
+10.7% YoY
-0.1% QoQ
|
-0.04% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
83.40%
-2.6% YoY
+0.1% QoQ
|
+15.68% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
133.55%
+25.8% YoY
+8.2% QoQ
|
+59.02% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.34%
+12.0% YoY
+2.6% QoQ
|
+19.94% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.56%
-0.0% YoY
+0.8% QoQ
|
+4.71% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
2.85%
-7.8% YoY
+22.5% QoQ
|
+2.28% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
42.34%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.85%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
133.55%
(Tier avg: 74.53%, National avg: 78.04%)
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%
98
98th pctile
Non-Interest Income / Assets
Current: 2.85% · Tier avg: 0.56%
96
96th pctile
Total Loans
Current: $329.9M · Tier avg: $139.2M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 42.34% · Tier avg: 22.39%
94
94th pctile
Total Assets
Current: $441.9M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $247.0M · Tier avg: $183.7M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.56% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
15
15th pctile
Efficiency Ratio
Current: 83.40% · Tier avg: 67.73%
0
0th pctile
Loan-to-Deposit Ratio
Current: 133.55% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 133.55% · Tier avg: 74.53%
15
15th pctile
Efficiency Ratio
Current: 83.40% · Tier avg: 67.73%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.56% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $247.0M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $441.9M · Tier avg: $217.5M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 42.34% · Tier avg: 22.39%
96
96th pctile
Total Loans
Current: $329.9M · Tier avg: $139.2M
98
98th pctile
Non-Interest Income / Assets
Current: 2.85% · Tier avg: 0.56%
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%