BlastPoint's Banking Scorecard

The Bank and Trust, S.S.B.

$100M-$1B Specialty: Other TX FDIC cert 1184

Del Rio, TX

10 branches across TX

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

The Bank and Trust, S.S.B. has 4 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 12.0% in tier
+ Credit Quality Leader: Top 15.4% in tier
+ ROA 0.21% above tier average
+ Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 8.36% 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 ?	$581.2M +4.0% YoY -0.6% QoQ	+$195.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$379.9M +9.0% YoY +3.1% QoQ	+$124.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$527.5M +3.2% YoY -0.6% QoQ	+$199.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.48% +2.3% YoY -5.9% QoQ	+0.21%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	4.41% +2.7% YoY +0.3% QoQ	+0.48%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	73.64% +0.5% YoY +2.8% QoQ	+8.36%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.05% -13.5% YoY -21.3% QoQ	-0.84%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	72.02% +5.6% YoY +3.7% QoQ	-4.62%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	34.18% -9.6% YoY -6.0% QoQ	+12.16%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 11.0% in tier
Nonperforming Asset Ratio ?	0.03% -9.3% YoY -18.3% QoQ	-0.61%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	17.34% -4.0% YoY -2.0% QoQ	+1.51%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.42% +6.9% YoY -73.4% QoQ	+0.14%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 4.2% in tier

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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 (2)

Revenue Diversifier

growth

#81 of 666 • Top 12.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.48%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#103 of 664 • Top 15.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (9 metrics)

112

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.28%

#112 of 2664 Top 4.2% in $100M-$1B

293

Non-Interest-Bearing Deposit Share

funding

Value: 34.18%

Peer Median: 22.02%

#293 of 2664 Top 11.0% in $100M-$1B

482

Total Deposits

size

Value: $527.51M

Peer Median: $327.97M

#482 of 2664 Top 18.1% in $100M-$1B

508

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#508 of 2664 Top 19.0% in $100M-$1B

536

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#536 of 2654 Top 20.2% in $100M-$1B

561

Total Assets

size

Value: $581.20M

Peer Median: $386.08M

#561 of 2664 Top 21.0% in $100M-$1B

575

Tier 1 Capital Ratio

capital

Value: 17.34%

Peer Median: 15.83%

#575 of 2664 Top 21.5% in $100M-$1B

577

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.93%

#577 of 2664 Top 21.6% in $100M-$1B

595

Total Loans

size

Value: $379.92M

Peer Median: $255.72M

#595 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (1 metrics)

2003

Efficiency Ratio

profitability

Value: 73.64%

Peer Median: 65.29%

#2003 of 2664 Bottom 24.8% in $100M-$1B