BlastPoint's Banking Scorecard

Texas Champion Bank

$100M-$1B Specialty: Commercial TX FDIC cert 11159

Corpus Christi, TX

10 branches across TX

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

Texas Champion Bank has 2 strengths but faces 4 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 63.6% in tier
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 18.8% in tier
- Liquidity Strain: Bottom 25.8% in tier
- ROA 0.41% below tier average
- Efficiency Ratio 9.19% 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 ?	$445.0M +2.7% YoY -1.8% QoQ	+$58.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$338.4M -0.9% YoY +0.8% QoQ	+$82.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$338.2M +5.1% YoY -2.3% QoQ	+$10.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	0.86% +2.7% YoY -4.9% QoQ	-0.41%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	4.45% +1.3% YoY -1.4% QoQ	+0.52%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	74.47% -1.4% YoY +1.1% QoQ	+9.19%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.40% -41.6% YoY -23.6% QoQ	-0.49%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	100.06% -5.7% YoY +3.2% QoQ	+23.42%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ?	37.30% -10.1% YoY -2.6% QoQ	+15.28%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.3% in tier
Nonperforming Asset Ratio ?	0.84% +55.5% YoY +43.2% QoQ	+0.21%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	9.81% -3.7% YoY -4.4% QoQ	-6.02%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 7.4% in tier
Non-Interest Income / Assets ?	0.07% +8.0% YoY -74.0% QoQ	-0.21%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	34%

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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

#174 of 272 • Top 63.6% 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: 37.30%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.45%

(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 (2)

Capital Thin

risk

#126 of 666 • Bottom 18.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.81%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#167 of 643 • Bottom 25.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 (2 metrics)

195

Non-Interest-Bearing Deposit Share

funding

Value: 37.30%

Peer Median: 22.02%

#195 of 2664 Top 7.3% in $100M-$1B

531

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.93%

#531 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (4 metrics)

2468

Tier 1 Capital Ratio

capital

Value: 9.81%

Peer Median: 15.83%

#2468 of 2664 Bottom 7.4% in $100M-$1B

2439

Loan-to-Deposit Ratio

liquidity

Value: 100.06%

Peer Median: 76.64%

#2439 of 2664 Bottom 8.5% in $100M-$1B

2045

Efficiency Ratio

profitability

Value: 74.47%

Peer Median: 65.29%

#2045 of 2664 Bottom 23.3% in $100M-$1B

2023

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2023 of 2664 Bottom 24.1% in $100M-$1B