BlastPoint's Banking Scorecard
Champion Bank
Micro
Specialty: Commercial
CO
FDIC cert 57031
Designations: ✓ Community bank
Parker, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Champion Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.50% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.53% below tier
- - Efficiency Ratio 40.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.3M
+5.0% YoY
-0.9% QoQ
|
-$171.2M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$14.8M
+7.2% YoY
+5.3% QoQ
|
-$124.3M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$29.4M
+7.0% YoY
-1.5% QoQ
|
-$154.3M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
-0.45%
-437.9% YoY
-37.9% QoQ
|
-1.53% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.86%
-10.5% YoY
-1.2% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
108.10%
+11.3% YoY
+2.2% QoQ
|
+40.37% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.96%
-5.1% QoQ
|
+0.32% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
50.50%
+0.2% YoY
+6.9% QoQ
|
-24.02% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.59%
-28.9% YoY
-10.2% QoQ
|
+4.19% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.36%
+562.6% YoY
+0.9% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
89.28%
-9.5% YoY
-2.5% QoQ
|
+80.43% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
2.07%
-13.0% YoY
+32.7% QoQ
|
+1.50% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.45%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
108.10%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.56%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.50% · Tier avg: 74.53%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.59% · Tier avg: 22.39%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
6
6th pctile
Total Assets
Current: $46.3M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $14.8M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $29.4M · Tier avg: $183.7M
4
4th pctile
Return on Assets
Current: -0.45% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 108.10% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 108.10% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.45% · Tier avg: 1.08%
5
5th pctile
Total Deposits
Current: $29.4M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $14.8M · Tier avg: $139.2M
6
6th pctile
Total Assets
Current: $46.3M · Tier avg: $217.5M
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.59% · Tier avg: 22.39%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.50% · Tier avg: 74.53%
97
97th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.56%