BlastPoint's Banking Scorecard
bankcda
Micro
Specialty: Commercial
ID
FDIC cert 57074
Designations: ✓ Community bank
Coeur D Alene, ID
2498
banks in Micro tier nationally
4 in ID
View Micro leaderboard (ID) →
bankcda faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.8M
+0.4% YoY
+2.3% QoQ
|
+$25.3M |
$217.5M
+2.3% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$132.3M
+0.5% YoY
+3.8% QoQ
|
-$6.9M |
$139.2M
+2.8% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$209.3M
+6.6% YoY
+2.5% QoQ
|
+$25.6M |
$183.7M
+1.8% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.80%
+2.8% YoY
+12.0% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
4.21%
+20.3% YoY
+0.8% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
74.18%
+3.0% YoY
+0.0% QoQ
|
+6.45% |
67.73%
-4.8% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
2.97%
+527.8% QoQ
|
+2.33% |
0.64%
+24.4% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
63.19%
-5.7% YoY
+1.3% QoQ
|
-11.33% |
74.53%
+0.5% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
23.28%
-7.1% YoY
+4.3% QoQ
|
+0.89% |
22.39%
-1.3% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.62%
+537.2% QoQ
|
+1.16% |
0.45%
+25.1% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
+5.1% YoY
+34.9% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.97%
(Tier avg: 0.64%, National avg: 0.66%)
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
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.19% · Tier avg: 74.53%
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
62
62th pctile
Total Deposits
Current: $209.3M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $242.8M · Tier avg: $217.5M
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.28% · Tier avg: 22.39%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
54
54th pctile
Total Loans
Current: $132.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
30
30th pctile
Efficiency Ratio
Current: 74.18% · Tier avg: 67.73%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
30
30th pctile
Efficiency Ratio
Current: 74.18% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $132.3M · Tier avg: $139.2M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.28% · Tier avg: 22.39%
61
61th pctile
Total Assets
Current: $242.8M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $209.3M · Tier avg: $183.7M
68
68th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.19% · Tier avg: 74.53%