BlastPoint's Banking Scorecard
Commercial State Bank
Palmer, TX
3 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +7.9% year over year ($114.3M on the books).
- Delinquency rate 5.54%.
- Return on assets 1.57%.
- Efficiency ratio 66.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 35.00% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 41.0% in tier
- + ROA 0.25% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 47.2% in tier
- - Cost Spiral: Bottom 70.3% in tier
- - Delinquency Rate 4.62% above tier average
- - Nonperforming Asset Ratio 1.79% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$126.6M
+7.8% YoY
+4.4% QoQ
|
-$260.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.6% in tier |
| Total Loans ? |
$40.0M
-6.5% YoY
-5.6% QoQ
|
-$218.3M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.5% in tier |
| Total Deposits ? |
$114.3M
+7.9% YoY
+5.3% QoQ
|
-$212.4M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.0% in tier |
| Return on Assets ? |
1.57%
-22.3% YoY
+2.5% QoQ
|
+0.25% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.57%
-14.8% YoY
-3.8% QoQ
|
+0.59% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
66.78%
+13.1% YoY
+3.1% QoQ
|
+2.30% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
5.54%
-40.7% YoY
-2.7% QoQ
|
+4.62% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.0% in tier |
| Loan-to-Deposit Ratio ? |
35.00%
-13.4% YoY
-10.4% QoQ
|
-42.95% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.54%
-16.0% YoY
-5.7% QoQ
|
+26.51% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 1.9% in tier |
| Nonperforming Asset Ratio ? |
2.46%
-42.4% YoY
-9.9% QoQ
|
+1.79% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.9% in tier |
| Tier 1 Capital Ratio ? |
27.86%
+14.7% YoY
+4.3% QoQ
|
+11.95% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 4.9% in tier |
| Non-Interest Income / Assets ? |
0.28%
-30.6% YoY
+91.7% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
48.5%
-9.3pp YoY -3.0pp QoQ |
+26.4pp | 22.1% | 29.2% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
-1.5pp YoY +0.5pp QoQ |
+5.9pp | 11.6% | 14.8% | 12.5% | 83% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
20.4%
+1.7pp YoY +0.4pp QoQ |
-12.3pp | 32.6% | 25.8% | 31.3% | 30% |
| Consumer |
6.3%
-0.4pp YoY +0.2pp QoQ |
+2.2pp | 4.1% | 4.7% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.9%
+3.6pp YoY +1.2pp QoQ |
+9.0pp | 18.8% | 22.7% | 19.7% | 92% |
| Leverage Ratio |
10.9%
+0.2pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 12.6% | 12.6% | 49% |
| Total Capital Ratio |
29.1%
+3.6pp YoY +1.2pp QoQ |
+9.2pp | 19.9% | 23.8% | 20.8% | 92% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
-1 (-3.8%) YoY 0 QoQ |
-34 | 58 | 186 | 482 | 19% |
| Assets per Employee ($) |
$5.1M
+12.1% YoY +4.4% QoQ |
-$2.5M | $7.5M | $10.1M | $8.8M | 15% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
-2.9pp YoY -0.4pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.4% | 83% |
| Nonaccrual |
5.0%
-0.8pp YoY +0.3pp QoQ |
+4.1pp | 0.9% | 1.0% | 1.0% | 98% |
| Allowance Coverage |
0.33x
+54.5% YoY +3.6% QoQ |
-23.83x | 24.15x | 18.82x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.4%
+0.6pp YoY -0.4pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
-5.7pp YoY +0.8pp QoQ |
+3.7pp | 12.2% | 13.2% | 11.6% | 72% |
| Cost of Funds (YTD) |
0.4%
+0.2pp YoY +0.1pp QoQ |
-1.3pp | 1.7% | 1.6% | 1.7% | 1% |
| Net Income ($, YTD) |
$964,000
-15.9% YoY — QoQ |
-$1.6M | $2.6M | $15.9M | $40.4M | 26% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.