BlastPoint's Banking Scorecard

Commercial State Bank

$100M-$1B Specialty: Other TX FDIC cert 10330

Palmer, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Commercial State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 23.5% in tier
+ ROA 0.26% above tier average
+ Efficiency Ratio 0.49% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 46.2% in tier
- Delinquency Rate 4.80% above tier average
- Nonperforming Asset Ratio 2.09% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$121.3M +4.3% YoY +0.8% QoQ	-$264.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 6.3% in tier
Total Loans ?	$42.4M -2.6% YoY -1.3% QoQ	-$213.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.7% in tier
Total Deposits ?	$108.5M +3.3% YoY +0.7% QoQ	-$219.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 8.1% in tier
Return on Assets ?	1.53% -17.7% YoY -3.5% QoQ	+0.26%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	4.75% -13.0% YoY -9.5% QoQ	+0.82%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 11.9% in tier
Efficiency Ratio ?	64.80% +7.2% YoY +6.1% QoQ	-0.49%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	5.69% +72.0% YoY +8.0% QoQ	+4.80%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	39.05% -5.8% YoY -2.0% QoQ	-37.59%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.0% in tier
Non-Interest-Bearing Deposit Share ?	51.49% -10.0% YoY -12.6% QoQ	+29.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	2.73% +28.9% YoY -0.0% QoQ	+2.09%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 3.7% in tier
Tier 1 Capital Ratio ?	26.70% +8.6% YoY +4.7% QoQ	+10.87%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 5.2% in tier
Non-Interest Income / Assets ?	0.14% -8.3% YoY -80.7% QoQ	-0.14%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#65 of 272 • Top 23.5% in tier

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: 51.49%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.75%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#142 of 305 • Bottom 46.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 51.49%

Peer Median: 22.02%

#38 of 2664 Top 1.4% in $100M-$1B

107

Loan-to-Deposit Ratio

liquidity

Value: 39.05%

Peer Median: 76.64%

#107 of 2664 Top 4.0% in $100M-$1B

140

Tier 1 Capital Ratio

capital

Value: 26.70%

Peer Median: 15.83%

#140 of 2664 Top 5.2% in $100M-$1B

319

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.93%

#319 of 2664 Top 11.9% in $100M-$1B

Top Weaknesses (5 metrics)

2615

Delinquency Rate

credit_quality

Value: 5.69%

Peer Median: 0.89%

#2615 of 2654 Bottom 1.5% in $100M-$1B

2619

Total Loans

size

Value: $42.38M

Peer Median: $255.72M

#2619 of 2664 Bottom 1.7% in $100M-$1B

2566

Nonperforming Asset Ratio

credit_quality

Value: 2.73%

Peer Median: 0.64%

#2566 of 2664 Bottom 3.7% in $100M-$1B

2497

Total Assets

size

Value: $121.30M

Peer Median: $386.08M

#2497 of 2664 Bottom 6.3% in $100M-$1B

2449

Total Deposits

size

Value: $108.53M

Peer Median: $327.97M

#2449 of 2664 Bottom 8.1% in $100M-$1B