BlastPoint's Banking Scorecard
Del Norte Bank
Micro
Specialty: Agricultural
CO
FDIC cert 29066
Designations: ✓ Community bank
Del Norte, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Del Norte 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
- - Loan-to-Deposit Ratio 26.64% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.7M
+7.1% YoY
+1.4% QoQ
|
-$66.8M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$122.6M
+8.7% YoY
+3.7% QoQ
|
-$16.6M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$121.2M
+0.8% YoY
-0.5% QoQ
|
-$62.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.99%
+7.1% YoY
-1.5% QoQ
|
-0.10% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
4.71%
+7.0% YoY
+1.0% QoQ
|
+0.86% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
70.98%
+0.1% YoY
+1.1% QoQ
|
+3.26% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.46%
+26.2% YoY
-42.0% QoQ
|
-0.18% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
101.17%
+7.9% YoY
+4.3% QoQ
|
+26.64% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.25%
-9.7% YoY
+3.1% QoQ
|
-3.14% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.37%
+1.9% YoY
-40.7% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
-14.6% YoY
+24.5% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.17%
(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
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%
51
51th pctile
Total Loans
Current: $122.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
45
45th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 22.39%
38
38th pctile
Total Assets
Current: $150.7M · Tier avg: $217.5M
38
38th pctile
Efficiency Ratio
Current: 70.98% · Tier avg: 67.73%
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.17% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.17% · Tier avg: 74.53%
36
36th pctile
Total Deposits
Current: $121.2M · Tier avg: $183.7M
38
38th pctile
Efficiency Ratio
Current: 70.98% · Tier avg: 67.73%
38
38th pctile
Total Assets
Current: $150.7M · Tier avg: $217.5M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 22.39%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
45
45th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Loans
Current: $122.6M · Tier avg: $139.2M
85
85th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.85%