BlastPoint's Banking Scorecard

The Donley County State Bank

under $100M Specialty: Agricultural TX FDIC cert 11891

Designations: ✓ Community bank

Clarendon, TX

541 banks in the under $100M peer group nationally 38 in TX

The Donley County State Bank has 3 strengths but faces 2 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

+ Non-Interest Income / Assets 0.29% below tier average
+ ROA 0.23% above tier average
+ Efficiency Ratio 19.55% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.31% below tier average
- Delinquency Rate 1.81% above tier average

Get updates when The Donley County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$47.3M -1.9% YoY -5.4% QoQ	-$14.9M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$6.3M -23.4% YoY -4.0% QoQ	-$27.9M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 7.6% in tier
Total Deposits ?	$36.8M -5.2% YoY -7.0% QoQ	-$14.9M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.06% -6.8% YoY -53.7% QoQ	+0.23%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	2.55% -11.9% YoY -11.5% QoQ	-1.31%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 7.8% in tier
Efficiency Ratio ?	68.79% +6.1% YoY +36.0% QoQ	-19.55%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	3.18% +676.0% YoY +2.2% QoQ	+1.81%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 11.9% in tier
Loan-to-Deposit Ratio ?	17.23% -19.2% YoY +3.2% QoQ	-46.98%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.2% in tier
Non-Interest-Bearing Deposit Share ?	24.25% +15.1% YoY +5.0% QoQ	+0.54%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.43% +505.8% YoY +3.7% QoQ	-0.36%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	70.30% +27.0% YoY +4.0% QoQ	+43.61%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 5.0% in tier
Non-Interest Income / Assets ?	0.37% +66.2% YoY -83.4% QoQ	-0.29%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 6.1% in tier

Get Full Access to The Donley County State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 70.30%

Peer Median: 26.68%

#28 of 541 Top 5.0% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 17.23%

Peer Median: 64.22%

#29 of 541 Top 5.2% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.67%

#34 of 541 Top 6.1% in under $100M

Top Weaknesses (3 metrics)

501

Total Loans

size

Value: $6.35M

Peer Median: $34.25M

#501 of 541 Bottom 7.6% in under $100M

500

Net Interest Margin

profitability

Value: 2.55%

Peer Median: 3.86%

#500 of 541 Bottom 7.8% in under $100M

460

Delinquency Rate

credit_quality

Value: 3.18%

Peer Median: 1.37%

#460 of 521 Bottom 11.9% in under $100M