BlastPoint's Banking Scorecard
Crowell State Bank
Designations: ✓ Community bank
Crowell, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +3.4% year over year ($51.0M on the books).
- Delinquency rate 0.90%.
- Return on assets 2.49%.
- Efficiency ratio 52.51% vs a 119.40% peer average.
- Loan-to-deposit ratio 55.56% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Crowell State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.49% above tier average
- + Net Interest Margin 1.28% above tier average
- + Non-Interest-Bearing Deposit Share 20.24% above tier average
- + Efficiency Ratio 66.89% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.5M
+3.8% YoY
+1.0% QoQ
|
-$5.0M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$28.3M
+9.5% YoY
-3.7% QoQ
|
-$6.6M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$51.0M
+3.4% YoY
+0.8% QoQ
|
-$652K |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
2.49%
+11.5% YoY
-4.1% QoQ
|
+1.49% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 5.2% in tier |
| Net Interest Margin ? |
5.20%
+3.5% YoY
+0.7% QoQ
|
+1.28% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 7.1% in tier |
| Efficiency Ratio ? |
52.51%
-8.3% YoY
+1.1% QoQ
|
-66.89% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 12.7% in tier |
| Delinquency Rate ? |
0.90%
+36.0% QoQ
|
-0.58% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
55.56%
+5.9% YoY
-4.5% QoQ
|
-18.65% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
43.73%
-7.2% YoY
-0.7% QoQ
|
+20.24% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.44%
+29.6% QoQ
|
-0.39% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
10.99%
+3.4% YoY
+0.5% QoQ
|
-16.14% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.5% in tier |
| Non-Interest Income / Assets ? |
0.26%
-14.8% YoY
+83.6% QoQ
|
-1.12% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
80% |
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 |
43.7%
-3.4pp YoY -0.3pp QoQ |
+19.1pp | 24.6% | 29.2% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
21.9%
-4.0pp YoY +0.4pp QoQ |
+8.5pp | 13.4% | 14.8% | 12.5% | 82% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
13.6%
-2.4pp YoY +0.6pp QoQ |
-21.4pp | 35.0% | 25.8% | 31.3% | 26% |
| Consumer |
10.0%
-0.5pp YoY -0.2pp QoQ |
+2.3pp | 7.7% | 4.7% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+0.4pp YoY +0.1pp QoQ |
-6.7pp | 17.7% | 12.6% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 186 | 482 | 43% |
| Assets per Employee ($) |
$5.7M
+14.2% YoY +1.0% QoQ |
-$440K | $6.2M | $10.1M | $8.8M | 46% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.2pp QoQ |
-0.1pp | 1.0% | 0.3% | 0.4% | 70% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
1.11x
-20.8% QoQ |
-5.30x | 6.41x | 18.82x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.1%
+0.3pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.8%
+1.6pp YoY -1.1pp QoQ |
+17.4pp | 6.4% | 13.2% | 11.6% | 97% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.6% | 1.7% | 32% |
| Net Income ($, YTD) |
$700,000
+17.1% YoY — QoQ |
+$382K | $317,817 | $15.9M | $40.4M | 88% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.