BlastPoint's Banking Scorecard
Capital Community Bank
Community
Specialty: Commercial
UT
FDIC cert 33823
Provo, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Capital Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Community
- + Revenue Diversifier: Top 3% in Community
- + Efficiency Ratio 28.62% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 31% in Community
- - Delinquency Rate 1.47% above tier
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+31.1% YoY
+6.7% QoQ
|
+$37.1M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$1.1B
+29.2% YoY
+6.6% QoQ
|
+$108.0M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.2B
+31.4% YoY
+5.5% QoQ
|
+$27.6M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
5.06%
+36.7% YoY
+1.6% QoQ
|
+3.90% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
16.88%
+21.8% YoY
+0.3% QoQ
|
+13.22% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
34.01%
-14.1% YoY
-2.4% QoQ
|
-28.62% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
2.09%
-26.7% YoY
-15.5% QoQ
|
+1.47% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
90.88%
-1.7% YoY
+1.0% QoQ
|
+7.82% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
13.70%
-3.7% YoY
-12.8% QoQ
|
-7.34% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.81%
-17.7% YoY
-3.9% QoQ
|
+1.31% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
17.29%
+2.5% YoY
+3.0% QoQ
|
+7.05% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
2.35%
+53.9% YoY
+55.9% QoQ
|
+1.61% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#5 of 371 · Top 1% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
5.06%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#12 of 371 · Top 3% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.35%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
5.06%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
34.01%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Liquidity Overhang
risk
#85 of 268 · Bottom 31% 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:
17.29%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
90.88%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.09%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.81%
(Tier avg: 0.50%, National avg: 0.48%)
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
Return on Assets
Current: 5.06% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 34.01% · Tier avg: 62.63%
96
96th pctile
Non-Interest Income / Assets
Current: 2.35% · Tier avg: 0.74%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.29% · Tier avg: 10.24%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.88% · Tier avg: 83.06%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.70% · Tier avg: 21.05%
9
9th pctile
Delinquency Rate
Current: 2.09% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.09% · Tier avg: 0.63%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.70% · Tier avg: 21.05%
33
33th pctile
Loan-to-Deposit Ratio
Current: 90.88% · Tier avg: 83.06%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
87
87th pctile
Tier 1 Capital Ratio
Current: 17.29% · Tier avg: 10.24%
96
96th pctile
Non-Interest Income / Assets
Current: 2.35% · Tier avg: 0.74%
98
98th pctile
Efficiency Ratio
Current: 34.01% · Tier avg: 62.63%
100
100th pctile
Return on Assets
Current: 5.06% · Tier avg: 1.16%