BlastPoint's Banking Scorecard
Rocky Mountain Bank & Trust
Micro
Specialty: Commercial
CO
FDIC cert 3019
Designations: ✓ Community bank
Florence, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Rocky Mountain Bank & Trust demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.5M
+1.4% YoY
+3.2% QoQ
|
-$94.0M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$64.8M
+8.8% YoY
+2.1% QoQ
|
-$74.3M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$107.7M
-1.1% YoY
+3.1% QoQ
|
-$76.0M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.00%
+83.9% YoY
-9.8% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.12%
+16.7% YoY
+1.4% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
55.44%
-20.7% YoY
+8.4% QoQ
|
-12.29% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.79%
-26.9% YoY
-27.0% QoQ
|
+1.15% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
60.21%
+10.1% YoY
-0.9% QoQ
|
-14.31% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
27.72%
-21.4% YoY
-1.1% QoQ
|
+5.33% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.94%
-21.6% YoY
-27.8% QoQ
|
+0.49% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| 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 ? |
0.55%
+10.7% YoY
+24.0% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
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
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.44% · Tier avg: 67.73%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.72% · Tier avg: 22.39%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Total Deposits
Current: $107.7M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $123.5M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.8M · Tier avg: $139.2M
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.21% · Tier avg: 74.53%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.64%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.21% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $64.8M · Tier avg: $139.2M
30
30th pctile
Total Assets
Current: $123.5M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.72% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
80
80th pctile
Efficiency Ratio
Current: 55.44% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%