BlastPoint's Banking Scorecard
First Lockhart Bank
Lockhart, TX
6 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 +10.0% year over year ($375.0M on the books).
- Delinquency rate 0.29%.
- Return on assets 0.70%.
- Efficiency ratio 78.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Lockhart Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency Ratio 14.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$415.9M
+9.8% YoY
+1.7% QoQ
|
+$29.3M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$310.8M
+11.5% YoY
+3.2% QoQ
|
+$52.4M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$375.0M
+10.0% YoY
+1.8% QoQ
|
+$48.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
0.70%
+9.2% YoY
+4.6% QoQ
|
-0.62% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.30%
+7.9% YoY
+2.4% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
78.80%
-1.1% YoY
-0.9% QoQ
|
+14.32% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate ? |
0.29%
-50.1% YoY
+192.4% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
82.86%
+1.4% YoY
+1.3% QoQ
|
+4.91% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
22.65%
-10.3% YoY
-2.1% QoQ
|
+0.62% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.36%
-17.1% YoY
+66.2% QoQ
|
-0.31% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
9.34%
-30.8% YoY
-0.3% QoQ
|
-6.57% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.4% in tier |
| Non-Interest Income / Assets ? |
0.11%
-12.8% YoY
+71.5% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
23% |
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 |
22.6%
-2.6pp YoY -0.5pp QoQ |
+0.5pp | 22.1% | 29.2% | 22.2% | 57% |
| 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 |
1.3%
-0.7pp YoY -0.2pp QoQ |
-10.3pp | 11.6% | 14.8% | 12.5% | 4% |
| CRE |
62.9%
-0.9pp YoY -1.0pp QoQ |
+23.4pp | 39.5% | 48.4% | 41.4% | 87% |
| 1-4 Family |
32.0%
-0.4pp YoY -0.4pp QoQ |
-0.6pp | 32.6% | 25.8% | 31.3% | 56% |
| Consumer |
1.0%
-0.2pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 4.7% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
9.3%
-0.1pp YoY 0.0pp QoQ |
-2.8pp | 12.2% | 12.6% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
59
+5 (+9.3%) YoY 0 QoQ |
+0 | 58 | 186 | 482 | 62% |
| Assets per Employee ($) |
$7.0M
+0.5% YoY +1.7% QoQ |
-$469K | $7.5M | $10.1M | $8.8M | 53% |
| Branch Count |
6
+2 (+50.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 12 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY |
-0.1pp | 0.3% | 0.3% | 0.4% | 66% |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 17% |
| Allowance Coverage |
3.53x
+78.2% YoY -66.6% QoQ |
-20.62x | 24.15x | 18.82x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
+0.4pp YoY +0.4pp QoQ |
-4.6pp | 12.2% | 13.2% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$1.4M
+13.6% YoY — QoQ |
-$1.1M | $2.6M | $15.9M | $40.4M | 40% |
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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.