BlastPoint's Banking Scorecard

Columbus State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 12305

Columbus, TX

3 branches across TX

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

Columbus State Bank has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 30.6% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 12.85% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 48.0% in tier
- Margin Compression: Bottom 50.2% in tier
- Net Interest Margin 1.80% below tier average
- Non-Interest Income / Assets 0.25% below tier average

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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 ?	$337.9M +15.2% YoY +1.4% QoQ	-$48.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$20.2M +20.7% YoY +3.8% QoQ	-$235.5M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 0.6% in tier
Total Deposits ?	$293.2M +16.9% YoY +1.3% QoQ	-$34.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	0.80% -13.0% YoY -11.7% QoQ	-0.47%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	2.13% -17.0% YoY -13.0% QoQ	-1.80%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 1.1% in tier
Efficiency Ratio ?	52.44% -2.4% YoY -2.3% QoQ	-12.85%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	6.90% +3.2% YoY +2.5% QoQ	-69.74%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 0.5% in tier
Non-Interest-Bearing Deposit Share ?	30.82% -4.3% YoY -0.7% QoQ	+8.80%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	50.75% +13.4% YoY +0.4% QoQ	+34.92%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 0.8% in tier
Non-Interest Income / Assets ?	0.03% -14.9% YoY -81.5% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 7.6% in tier

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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)

Credit Quality Leader

growth

#204 of 664 • Top 30.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#356 of 739 • Bottom 48.0% 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: 50.75%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 6.90%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Margin Compression

decline

#154 of 305 • Bottom 50.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.80%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 6.90%

Peer Median: 76.64%

#13 of 2664 Top 0.5% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 50.75%

Peer Median: 15.83%

#23 of 2664 Top 0.8% in $100M-$1B

431

Non-Interest-Bearing Deposit Share

funding

Value: 30.82%

Peer Median: 22.02%

#431 of 2664 Top 16.1% in $100M-$1B

549

Efficiency Ratio

profitability

Value: 52.44%

Peer Median: 65.29%

#549 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2649

Total Loans

size

Value: $20.22M

Peer Median: $255.72M

#2649 of 2664 Bottom 0.6% in $100M-$1B

2635

Net Interest Margin

profitability

Value: 2.13%

Peer Median: 3.93%

#2635 of 2664 Bottom 1.1% in $100M-$1B

2462

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2462 of 2664 Bottom 7.6% in $100M-$1B