BlastPoint's Banking Scorecard

The Buckholts State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 11916

Buckholts, TX

3 branches across TX

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

The Buckholts State Bank 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

+ Profitability Leader: Top 38.4% in tier
+ Efficiency Ratio 29.24% below tier average
+ Net Interest Margin 0.48% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 13.0% in tier

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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 ?	$138.2M +8.4% YoY +2.7% QoQ	-$247.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 10.6% in tier
Total Loans ?	$83.7M +5.2% YoY +2.0% QoQ	-$172.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 12.9% in tier
Total Deposits ?	$114.2M +7.9% YoY +3.1% QoQ	-$213.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 10.3% in tier
Return on Assets ?	2.88% +3.5% YoY -1.3% QoQ	+1.61%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 2.3% in tier
Net Interest Margin ?	4.41% -0.5% YoY -4.8% QoQ	+0.48%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	36.05% -7.3% YoY -6.2% QoQ	-29.24%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 2.0% in tier
Delinquency Rate ?	0.00% -99.8% YoY -98.8% QoQ	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 11.8% in tier
Loan-to-Deposit Ratio ?	73.34% -2.5% YoY -1.1% QoQ	-3.30%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	33.49% -3.2% YoY -5.3% QoQ	+11.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 11.7% in tier
Nonperforming Asset Ratio ?	0.00% -99.8% YoY -98.8% QoQ	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 11.2% in tier
Tier 1 Capital Ratio ?	28.70% +4.8% YoY -2.1% QoQ	+12.87%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 4.4% in tier
Non-Interest Income / Assets ?	0.04% -12.0% YoY -76.3% QoQ	-0.24%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	17%

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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)

Profitability Leader

growth

#257 of 666 • Top 38.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.88%

(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

Concerns (1)

Liquidity Overhang

risk

#97 of 739 • Bottom 13.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 28.70%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 73.34%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (7 metrics)

Efficiency Ratio

profitability

Value: 36.05%

Peer Median: 65.29%

#55 of 2664 Top 2.0% in $100M-$1B

Return on Assets

profitability

Value: 2.88%

Peer Median: 1.27%

#63 of 2664 Top 2.3% in $100M-$1B

119

Tier 1 Capital Ratio

capital

Value: 28.70%

Peer Median: 15.83%

#119 of 2664 Top 4.4% in $100M-$1B

300

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#300 of 2664 Top 11.2% in $100M-$1B

314

Non-Interest-Bearing Deposit Share

funding

Value: 33.49%

Peer Median: 22.02%

#314 of 2664 Top 11.7% in $100M-$1B

315

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#315 of 2654 Top 11.8% in $100M-$1B

582

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.93%

#582 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (4 metrics)

2390

Total Deposits

size

Value: $114.16M

Peer Median: $327.97M

#2390 of 2664 Bottom 10.3% in $100M-$1B

2383

Total Assets

size

Value: $138.21M

Peer Median: $386.08M

#2383 of 2664 Bottom 10.6% in $100M-$1B

2322

Total Loans

size

Value: $83.72M

Peer Median: $255.72M

#2322 of 2664 Bottom 12.9% in $100M-$1B

2209

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2209 of 2664 Bottom 17.1% in $100M-$1B