BlastPoint's Banking Scorecard
Colorado Federal Savings Bank
Community
Specialty: Mortgage
CO
FDIC cert 33111
Greenwood Village, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Colorado Federal Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Community
- - Liquidity Overhang: Bottom 17% in Community
- - Cost Spiral: Bottom 44% in Community
- - Net Interest Margin 2.02% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+17.5% YoY
+6.1% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$1.7B
+1.4% YoY
+0.8% QoQ
|
+$716.4M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.4B
+16.0% YoY
-17.1% QoQ
|
+$230.5M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.57%
-7.4% YoY
+7.3% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
1.64%
+15.2% YoY
+1.8% QoQ
|
-2.02% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
54.38%
+15.5% YoY
+4.7% QoQ
|
-8.25% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.48%
+69.8% YoY
+5.1% QoQ
|
-0.15% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
121.27%
-12.6% YoY
+21.7% QoQ
|
+38.21% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.13%
-10.3% YoY
+3.1% QoQ
|
-5.92% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.30%
+46.5% YoY
-0.1% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
16.06%
+8.8% YoY
+1.9% QoQ
|
+5.81% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
-0.07%
-130.4% YoY
+2.0% QoQ
|
-0.81% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#48 of 642 · Bottom 7% 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
Liquidity Overhang
risk
#46 of 268 · Bottom 17% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.06%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
121.27%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Cost Spiral
risk
#18 of 40 · Bottom 44% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
54.38%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.64%
(Tier avg: 3.66%, National avg: 3.75%)
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
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Efficiency Ratio
Current: 54.38% · Tier avg: 62.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.13% · Tier avg: 21.05%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.27% · Tier avg: 83.06%
1
1th pctile
Net Interest Margin
Current: 1.64% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.64% · Tier avg: 3.66%
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.27% · Tier avg: 83.06%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.13% · Tier avg: 21.05%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
74
74th pctile
Efficiency Ratio
Current: 54.38% · Tier avg: 62.63%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B