BlastPoint's Banking Scorecard
Redstone Bank
Micro
Specialty: Commercial
CO
FDIC cert 58826
Designations: ✓ Community bank
Centennial, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Redstone Bank shows strong momentum with 2 strengths and 25.6% 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 ? |
$296.2M
+25.6% YoY
+7.2% QoQ
|
+$78.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$169.8M
+7.6% YoY
+0.7% QoQ
|
+$30.6M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$261.6M
+31.2% YoY
+7.8% QoQ
|
+$77.9M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.61%
+20.0% YoY
+17.4% QoQ
|
-0.48% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
4.02%
+11.2% YoY
+2.3% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
73.68%
+0.5% YoY
-5.3% QoQ
|
+5.95% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
64.93%
-18.0% YoY
-6.6% QoQ
|
-9.60% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
19.64%
-25.5% YoY
-10.9% QoQ
|
-2.75% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
-5.4% YoY
+18.2% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
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%
74
74th pctile
Total Deposits
Current: $261.6M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $296.2M · Tier avg: $217.5M
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.64% · Tier avg: 22.39%
32
32th pctile
Efficiency Ratio
Current: 73.68% · Tier avg: 67.73%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.93% · Tier avg: 74.53%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
31
31th pctile
Loan-to-Deposit Ratio
Current: 64.93% · Tier avg: 74.53%
32
32th pctile
Efficiency Ratio
Current: 73.68% · Tier avg: 67.73%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.64% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $296.2M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $261.6M · 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%