BlastPoint's Banking Scorecard
The Donley County State Bank
Designations: ✓ Community bank
Clarendon, 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 +4.3% year over year ($39.1M on the books).
- Delinquency rate 2.87%.
- Return on assets 0.87%.
- Efficiency ratio 72.99% vs a 119.40% peer average.
- Loan-to-deposit ratio 17.85% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Donley County State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.77% below tier average
- + Efficiency Ratio 46.41% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier average
- - ROA 0.13% below tier average
- - Delinquency Rate 1.39% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.7M
+5.6% YoY
+5.0% QoQ
|
-$12.8M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$7.0M
-13.2% YoY
+9.9% QoQ
|
-$27.9M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.2% in tier |
| Total Deposits ? |
$39.1M
+4.3% YoY
+6.1% QoQ
|
-$12.5M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.87%
-31.4% YoY
-18.0% QoQ
|
-0.13% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
2.64%
-13.8% YoY
+3.5% QoQ
|
-1.27% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio ? |
72.99%
+15.4% YoY
+6.1% QoQ
|
-46.41% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
2.87%
+619.9% YoY
-9.9% QoQ
|
+1.39% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.5% in tier |
| Loan-to-Deposit Ratio ? |
17.85%
-16.8% YoY
+3.6% QoQ
|
-56.36% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-0.2% YoY
-4.7% QoQ
|
-0.38% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.40%
+492.0% YoY
-5.7% QoQ
|
-0.43% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
68.33%
+19.1% YoY
-2.8% QoQ
|
+41.21% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 6.0% in tier |
| Non-Interest Income / Assets ? |
0.61%
+21.5% YoY
+64.5% QoQ
|
-0.77% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 7.8% in tier |
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 |
23.1%
-0.1pp YoY -1.1pp QoQ |
-1.5pp | 24.6% | 29.2% | 22.2% | 47% |
| 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 |
16.6%
+0.8pp YoY -1.6pp QoQ |
+3.2pp | 13.4% | 14.8% | 12.5% | 73% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
1.0%
-0.1pp YoY -0.2pp QoQ |
-34.0pp | 35.0% | 25.8% | 31.3% | 7% |
| Consumer |
8.9%
+1.0pp YoY +1.1pp QoQ |
+1.2pp | 7.7% | 4.7% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
68.3%
+10.9pp YoY -2.0pp QoQ |
+29.6pp | 38.7% | 22.7% | 19.7% | 91% |
| Leverage Ratio |
20.9%
+1.5pp YoY -0.1pp QoQ |
+3.2pp | 17.7% | 12.6% | 12.6% | 87% |
| Total Capital Ratio |
69.6%
+11.0pp YoY -2.0pp QoQ |
+29.9pp | 39.7% | 23.8% | 20.8% | 91% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 186 | 482 | 36% |
| Assets per Employee ($) |
$5.5M
+5.6% YoY +5.0% QoQ |
-$671K | $6.2M | $10.1M | $8.8M | 43% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.9%
-0.3pp QoQ |
+1.1pp | 1.7% | 1.0% | 1.0% | 86% |
| Allowance Coverage |
1.23x
-82.1% YoY +4.4% QoQ |
-5.19x | 6.41x | 18.82x | 20.23x | 48% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.2%
-2.6pp YoY -0.9pp QoQ |
-2.2pp | 6.4% | 13.2% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.6% | 1.7% | 69% |
| Net Income ($, YTD) |
$213,000
-30.6% YoY — QoQ |
-$105K | $317,817 | $15.9M | $40.4M | 39% |
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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.