BlastPoint's Banking Scorecard
FlatIrons Bank
Micro
Specialty: Commercial
CO
FDIC cert 57280
Designations: ✓ Community bank
Boulder, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
FlatIrons Bank shows strong momentum with 2 strengths and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.8M
+5.8% YoY
+1.5% QoQ
|
+$142.3M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$242.6M
-5.7% YoY
-1.1% QoQ
|
+$103.4M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$327.4M
+4.7% YoY
+1.2% QoQ
|
+$143.7M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.20%
+32.0% YoY
+7.2% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.80%
+19.6% YoY
+1.0% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
68.21%
-1.7% YoY
+2.0% QoQ
|
+0.48% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.10%
-9.9% YoY
-2.3% QoQ
|
-0.42% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
18.07%
-8.3% YoY
-0.7% QoQ
|
-4.32% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.25%
+20.4% YoY
+2.8% QoQ
|
+4.40% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.54%
+119.0% YoY
+69.7% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Total Deposits
Current: $327.4M · Tier avg: $183.7M
83
83th pctile
Total Loans
Current: $242.6M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $359.8M · Tier avg: $217.5M
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.25% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 74.53%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
44
44th pctile
Efficiency Ratio
Current: 68.21% · Tier avg: 67.73%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.07% · Tier avg: 22.39%
Top Weaknesses
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.07% · Tier avg: 22.39%
44
44th pctile
Efficiency Ratio
Current: 68.21% · Tier avg: 67.73%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.10% · Tier avg: 74.53%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.25% · Tier avg: 8.85%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
82
82th pctile
Total Assets
Current: $359.8M · Tier avg: $217.5M
83
83th pctile
Total Loans
Current: $242.6M · Tier avg: $139.2M
86
86th pctile
Total Deposits
Current: $327.4M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%