BlastPoint's Banking Scorecard
Stockmens Bank
Community
Specialty: Agricultural
CO
FDIC cert 8321
Colorado Springs, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Stockmens Bank shows strong momentum with 2 strengths and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 61% in Community
- + Loan-to-Deposit Ratio 19.78% above 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 ? |
$566.7M
+5.0% YoY
-1.2% QoQ
|
-$824.8M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$501.4M
+18.4% YoY
+7.6% QoQ
|
-$474.0M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$487.6M
+2.7% YoY
-1.5% QoQ
|
-$677.0M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.46%
+9.0% YoY
+2.0% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.76%
+7.9% YoY
+2.3% QoQ
|
+1.10% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
55.52%
-1.0% YoY
-1.2% QoQ
|
-7.11% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.28%
-36.1% YoY
-8.9% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
102.85%
+15.3% YoY
+9.3% QoQ
|
+19.78% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.01%
-1.5% YoY
-4.6% QoQ
|
+7.96% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.25%
-28.0% YoY
-0.8% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.99%
+0.5% YoY
+0.5% QoQ
|
+2.75% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.28%
-7.7% YoY
+29.9% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#92 of 150 · Top 61% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
29.01%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.76%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.85%
(Tier avg: 83.06%, National avg: 78.04%)
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
92
92th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.66%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.85% · Tier avg: 83.06%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 21.05%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
71
71th pctile
Efficiency Ratio
Current: 55.52% · Tier avg: 62.63%
62
62th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
58
58th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 10.24%
31
31th pctile
Total Loans
Current: $501.4M · Tier avg: $975.5M
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $566.7M · Tier avg: $1.4B
Top Weaknesses
10
10th pctile
Total Assets
Current: $566.7M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $501.4M · Tier avg: $975.5M
58
58th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 10.24%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
71
71th pctile
Efficiency Ratio
Current: 55.52% · Tier avg: 62.63%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.01% · Tier avg: 21.05%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.85% · Tier avg: 83.06%
92
92th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.66%