BlastPoint's Banking Scorecard
Wellington State Bank
Wellington, TX
14 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 +9.7% year over year ($599.4M on the books).
- Delinquency rate 5.35%.
- Return on assets 1.28%.
- Efficiency ratio 64.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 56.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wellington State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.30% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.43% above tier average
- - Nonperforming Asset Ratio 2.17% above tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$659.7M
+10.3% YoY
+1.5% QoQ
|
+$273.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 14.9% in tier |
| Total Loans ? |
$338.5M
-2.0% YoY
+0.5% QoQ
|
+$80.2M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$599.4M
+9.7% YoY
+1.5% QoQ
|
+$272.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 12.4% in tier |
| Return on Assets ? |
1.28%
+33.8% YoY
+5.9% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.81%
+5.3% YoY
+4.7% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
64.18%
-11.9% YoY
-0.2% QoQ
|
-0.30% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
5.35%
+6.2% YoY
-19.8% QoQ
|
+4.43% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.3% in tier |
| Loan-to-Deposit Ratio ? |
56.48%
-10.7% YoY
-1.0% QoQ
|
-21.48% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 13.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.24%
+3.7% YoY
+4.3% QoQ
|
+5.21% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
2.84%
-2.4% YoY
-17.8% QoQ
|
+2.17% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
16.54%
+10.4% YoY
+4.0% QoQ
|
+0.63% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.20%
-11.4% YoY
+97.1% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
50% |
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 |
27.2%
+1.0pp YoY +1.1pp QoQ |
+5.1pp | 22.1% | 29.2% | 22.2% | 74% |
| 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 |
6.9%
-1.3pp YoY -0.4pp QoQ |
-4.6pp | 11.6% | 14.8% | 12.5% | 32% |
| CRE |
54.8%
-0.5pp YoY +1.4pp QoQ |
+15.2pp | 39.5% | 48.4% | 41.4% | 78% |
| 1-4 Family |
11.9%
+2.3pp YoY -1.1pp QoQ |
-20.7pp | 32.6% | 25.8% | 31.3% | 14% |
| Consumer |
2.1%
-0.2pp YoY +0.1pp QoQ |
-2.0pp | 4.1% | 4.7% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+1.6pp YoY +0.6pp QoQ |
-2.3pp | 18.8% | 22.7% | 19.7% | 61% |
| Leverage Ratio |
9.5%
-0.2pp YoY +0.2pp QoQ |
-2.6pp | 12.2% | 12.6% | 12.6% | 23% |
| Total Capital Ratio |
17.8%
+1.7pp YoY +0.6pp QoQ |
-2.1pp | 19.9% | 23.8% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
119
-5 (-4.0%) YoY -8 (-6.3%) QoQ |
+60 | 58 | 186 | 482 | 92% |
| Assets per Employee ($) |
$5.5M
+14.9% YoY +8.3% QoQ |
-$2.0M | $7.5M | $10.1M | $8.8M | 24% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 12 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
5.3%
+2.8pp YoY -1.3pp QoQ |
+4.4pp | 0.9% | 1.0% | 1.0% | 98% |
| Allowance Coverage |
0.28x
+5.5% YoY +27.1% QoQ |
-23.88x | 24.15x | 18.82x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+2.6pp YoY +1.0pp QoQ |
+4.5pp | 12.2% | 13.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 54% |
| Net Income ($, YTD) |
$4.2M
+47.1% YoY — QoQ |
+$1.6M | $2.6M | $15.9M | $40.4M | 82% |
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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.