BlastPoint's Banking Scorecard
The Donley County State Bank
Designations: ✓ Community bank
Clarendon, TX
The Donley County State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.30% below tier average
- + ROA 0.21% above tier average
- + Efficiency Ratio 18.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.32% below tier average
- - Delinquency Rate 1.82% above tier average
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
|
-$15.0M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
29% |
| Total Loans ? |
$6.3M
-23.4% YoY
-4.0% QoQ
|
-$27.9M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
Bottom 7.4% in tier |
| Total Deposits ? |
$36.8M
-5.2% YoY
-7.0% QoQ
|
-$15.0M |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
27% |
| Return on Assets ? |
1.06%
-6.8% YoY
-53.7% QoQ
|
+0.21% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
56% |
| Net Interest Margin ? |
2.55%
-11.9% YoY
-11.5% QoQ
|
-1.32% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio ? |
68.79%
+6.1% YoY
+36.0% QoQ
|
-18.84% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
55% |
| Delinquency Rate ? |
3.18%
+676.0% YoY
+2.2% QoQ
|
+1.82% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
17.23%
-19.2% YoY
+3.2% QoQ
|
-46.88% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
Top 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.25%
+15.1% YoY
+5.0% QoQ
|
+0.47% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.43%
+505.8% YoY
+3.7% QoQ
|
-0.35% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
70.30%
+27.0% YoY
+4.0% QoQ
|
+43.53% |
26.77%
+2.0% YoY
|
18.06%
+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
|
-0.30% |
0.67%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% YoY
|
Top 6.1% in tier |
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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)
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Metric Rankings
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