BlastPoint's Banking Scorecard
High Country Bank
Community
Specialty: Commercial
CO
FDIC cert 29783
Salida, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
High Country Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.01% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.0M
+6.7% YoY
+2.1% QoQ
|
-$858.5M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$444.0M
+7.4% YoY
+2.0% QoQ
|
-$531.5M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$437.3M
+5.4% YoY
+1.3% QoQ
|
-$727.3M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.96%
+49.1% YoY
+15.5% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.67%
+4.1% YoY
+0.6% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
70.90%
-6.7% YoY
-0.7% QoQ
|
+8.27% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.24%
+26.3% YoY
-20.5% QoQ
|
+0.61% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
101.53%
+1.9% YoY
+0.7% QoQ
|
+18.47% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.64%
-12.8% YoY
+6.9% QoQ
|
-7.41% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.03%
+27.1% YoY
-20.6% QoQ
|
+0.53% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.38%
+16.9% YoY
+31.3% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.67%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Credit Risk Growth
risk
#291 of 642 · Bottom 45% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
90
90th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 83.06%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Efficiency Ratio
Current: 70.90% · Tier avg: 62.63%
22
22th pctile
Total Loans
Current: $444.0M · Tier avg: $975.5M
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.64% · Tier avg: 21.05%
20
20th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
5
5th pctile
Total Assets
Current: $533.0M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $437.3M · Tier avg: $1.2B
Top Weaknesses
4
4th pctile
Total Deposits
Current: $437.3M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $533.0M · Tier avg: $1.4B
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.24% · Tier avg: 0.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.64% · Tier avg: 21.05%
22
22th pctile
Total Loans
Current: $444.0M · Tier avg: $975.5M
25
25th pctile
Efficiency Ratio
Current: 70.90% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
90
90th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 83.06%
91
91th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%