BlastPoint

BlastPoint's Banking Scorecard

The Buckholts State Bank

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

Buckholts, TX

3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +7.0% year over year ($114.4M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 2.89%.
  • Efficiency ratio 36.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The Buckholts State Bank has 5 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 44.2% in tier
  • + Efficiency Ratio 28.36% below tier average
  • + Non-Interest-Bearing Deposit Share 13.55% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.8% in tier
Get updates when The Buckholts State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $138.8M
+7.6% YoY +0.4% QoQ
-$247.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 11.0% in tier
Total Loans ? $86.2M
+7.6% YoY +3.0% QoQ
-$172.1M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 13.0% in tier
Total Deposits ? $114.4M
+7.0% YoY +0.2% QoQ
-$212.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 10.1% in tier
Return on Assets ? 2.89%
+0.0% YoY +0.5% QoQ
+1.57% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 2.5% in tier
Net Interest Margin ? 4.44%
-1.7% YoY +0.7% QoQ
+0.46% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 36.11%
-4.0% YoY +0.2% QoQ
-28.36% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 2.0% in tier
Delinquency Rate ? 0.02%
-96.1% YoY
-0.90% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 75.37%
+0.6% YoY +2.8% QoQ
-2.59% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 35.58%
+3.7% YoY +6.2% QoQ
+13.55% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.3% in tier
Nonperforming Asset Ratio ? 0.01%
-96.1% YoY
-0.66% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 14.5% in tier
Tier 1 Capital Ratio ? 28.11%
+0.7% YoY -2.1% QoQ
+12.20% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 4.8% in tier
Non-Interest Income / Assets ? 0.09%
-14.2% YoY +92.7% QoQ
-0.48% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 14.5% in tier

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 35.6%
+1.3pp YoY
+2.1pp QoQ
 +13.4pp 22.1% 29.2% 22.2% 91%
Brokered Deposits n/a n/a 7.9% 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 62.2%
+1.9pp YoY
+1.2pp QoQ
 +50.6pp 11.6% 14.8% 12.5% 100%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 22.0%
-0.4pp YoY
-0.2pp QoQ
 -10.6pp 32.6% 25.8% 31.3% 34%
Consumer 1.8%
-0.6pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 4.7% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 28.1%
+0.2pp YoY
-0.6pp QoQ
 +9.3pp 18.8% 22.7% 19.7% 92%
Leverage Ratio 17.6%
+0.4pp YoY
+0.3pp QoQ
 +5.5pp 12.2% 12.6% 12.6% 94%
Total Capital Ratio 28.9%
+0.1pp YoY
-0.6pp QoQ
 +9.0pp 19.9% 23.8% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 186 482 4%
Assets per Employee ($) $9.3M
+7.6% YoY
+0.4% QoQ
 +$1.7M $7.5M $10.1M $8.8M 81%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 26%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 38.89x
+2290.2% YoY
-94.4% QoQ
 +14.74x 24.15x 18.82x 20.23x 93%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.6%
-0.4pp YoY
+0.1pp QoQ
 +4.4pp 12.2% 13.2% 11.6% 75%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 12%
Net Income ($, YTD) $2.0M
+8.6% YoY
— QoQ
 -$572K $2.6M $15.9M $40.4M 52%

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
#293 of 661 • Top 44.2% in tier

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

Why this signature
Return on Assets: 2.89%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#111 of 742 • Bottom 14.8% 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: 28.11%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 75.37%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

53
Efficiency Ratio
profitability
Value: 36.11%
Peer Median: 64.48%
#53 of 2643 Top 2.0% in $100M-$1B
68
Return on Assets
profitability
Value: 2.89%
Peer Median: 1.32%
#68 of 2643 Top 2.5% in $100M-$1B
129
Tier 1 Capital Ratio
capital
Value: 28.11%
Peer Median: 15.91%
#129 of 2643 Top 4.8% in $100M-$1B
246
Non-Interest-Bearing Deposit Share
funding
Value: 35.58%
Peer Median: 22.03%
#246 of 2643 Top 9.3% in $100M-$1B
383
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#383 of 2643 Top 14.5% in $100M-$1B
424
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#424 of 2633 Top 16.1% in $100M-$1B
608
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.99%
#608 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (4 metrics)

2378
Total Deposits
size
Value: $114.37M
Peer Median: $326.73M
#2378 of 2643 Bottom 10.1% in $100M-$1B
2354
Total Assets
size
Value: $138.81M
Peer Median: $386.57M
#2354 of 2643 Bottom 11.0% in $100M-$1B
2300
Total Loans
size
Value: $86.20M
Peer Median: $258.35M
#2300 of 2643 Bottom 13.0% in $100M-$1B
2260
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2260 of 2643 Bottom 14.5% in $100M-$1B
Powered by BlastPoint © 2026