BlastPoint's Banking Scorecard
First American State Bank
Micro
Specialty: Commercial
CO
FDIC cert 34040
Designations: ✓ Community bank
Greenwood Village, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
First American State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.2M
-1.9% YoY
-3.3% QoQ
|
+$70.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$201.5M
-3.9% YoY
-3.2% QoQ
|
+$62.4M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$205.7M
+6.3% YoY
-3.9% QoQ
|
+$22.1M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.51%
+547.5% YoY
+12.0% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.76%
+13.4% YoY
+2.6% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
77.63%
-10.4% YoY
-2.4% QoQ
|
+9.90% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.32%
+4.4% QoQ
|
-0.32% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
97.97%
-9.6% YoY
+0.7% QoQ
|
+23.45% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.69%
-18.3% YoY
-9.9% QoQ
|
-9.70% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.91%
+11.4% YoY
+3.7% QoQ
|
+0.46% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
14.40%
+8.9% YoY
+3.6% QoQ
|
+5.55% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.07%
+44.3% YoY
+27.0% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.76%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
75
75th pctile
Total Loans
Current: $201.5M · Tier avg: $139.2M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.40% · Tier avg: 8.85%
70
70th pctile
Total Assets
Current: $288.2M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $205.7M · Tier avg: $183.7M
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
24
24th pctile
Efficiency Ratio
Current: 77.63% · Tier avg: 67.73%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.69% · Tier avg: 22.39%
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 74.53%
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.69% · Tier avg: 22.39%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
24
24th pctile
Efficiency Ratio
Current: 77.63% · Tier avg: 67.73%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
61
61th pctile
Total Deposits
Current: $205.7M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $288.2M · Tier avg: $217.5M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.40% · Tier avg: 8.85%
75
75th pctile
Total Loans
Current: $201.5M · Tier avg: $139.2M