BlastPoint's Banking Scorecard
Stockmens National Bank in Cotulla
$100M-$1B
Specialty: Other
TX
FDIC cert 14864
Cotulla, 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 +13.4% year over year ($111.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.70%.
- Efficiency ratio 52.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 22.25% 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) →
Stockmens National Bank in Cotulla 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
- + Delinquency Rate 0.92% below tier average
- + Non-Interest-Bearing Deposit Share 18.17% above tier average
- + ROA 0.38% above tier average
- + Efficiency Ratio 11.92% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$124.1M
+12.7% YoY
+2.2% QoQ
|
-$262.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.8% in tier |
| Total Loans ? |
$24.8M
-16.3% YoY
+1.3% QoQ
|
-$233.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.9% in tier |
| Total Deposits ? |
$111.7M
+13.4% YoY
+2.2% QoQ
|
-$215.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.2% in tier |
| Return on Assets ? |
1.70%
+8.5% YoY
-7.4% QoQ
|
+0.38% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
3.49%
+4.9% YoY
-4.4% QoQ
|
-0.50% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
52.56%
-4.0% YoY
+2.8% QoQ
|
-11.92% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
22.25%
-26.2% YoY
-0.9% QoQ
|
-55.70% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 1.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.21%
+5.8% YoY
+8.0% QoQ
|
+18.17% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 4.7% in tier |
| Nonperforming Asset Ratio ? |
1.02%
+8.8% YoY
-2.2% QoQ
|
+0.35% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.62%
-6.2% YoY
+5.1% QoQ
|
-5.29% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.17%
-13.7% YoY
+95.7% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
41% |
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 |
40.2%
+2.2pp YoY +3.0pp QoQ |
+18.1pp | 22.1% | 29.2% | 22.2% | 95% |
| 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 |
20.0%
0.0pp YoY +1.0pp QoQ |
+8.5pp | 11.6% | 14.8% | 12.5% | 88% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
7.0%
+1.1pp YoY -0.5pp QoQ |
-25.7pp | 32.6% | 25.8% | 31.3% | 7% |
| Consumer |
16.2%
+3.2pp YoY +0.1pp QoQ |
+12.0pp | 4.1% | 4.7% | 5.0% | 96% |
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 |
10.6%
-0.7pp YoY +0.5pp QoQ |
-1.6pp | 12.2% | 12.6% | 12.6% | 44% |
| 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 |
16
+1 (+6.7%) YoY +1 (+6.7%) QoQ |
-43 | 58 | 186 | 482 | 5% |
| Assets per Employee ($) |
$7.8M
+5.6% YoY -4.2% QoQ |
+$235K | $7.5M | $10.1M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.5%
+0.8pp YoY -1.6pp QoQ |
+5.3pp | 12.2% | 13.2% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.1%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$1.0M
+17.6% YoY — QoQ |
-$1.5M | $2.6M | $15.9M | $40.4M | 28% |
Get Full Access to Stockmens National Bank in Cotulla
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
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).
Top Strengths (5 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
28
Loan-to-Deposit Ratio
liquidity
Value:
22.25%
Peer Median: 77.95%
#28 of 2643
Top 1.0% in $100M-$1B
124
Non-Interest-Bearing Deposit Share
funding
Value:
40.21%
Peer Median: 22.03%
#124 of 2643
Top 4.7% in $100M-$1B
582
Efficiency Ratio
profitability
Value:
52.56%
Peer Median: 64.48%
#582 of 2643
Top 22.0% in $100M-$1B
648
Return on Assets
profitability
Value:
1.70%
Peer Median: 1.32%
#648 of 2643
Top 24.5% in $100M-$1B
Top Weaknesses (5 metrics)
2620
Total Loans
size
Value:
$24.85M
Peer Median: $258.35M
#2620 of 2643
Bottom 0.9% in $100M-$1B
2464
Total Assets
size
Value:
$124.06M
Peer Median: $386.57M
#2464 of 2643
Bottom 6.8% in $100M-$1B
2401
Total Deposits
size
Value:
$111.67M
Peer Median: $326.73M
#2401 of 2643
Bottom 9.2% in $100M-$1B
2154
Tier 1 Capital Ratio
capital
Value:
10.62%
Peer Median: 15.91%
#2154 of 2643
Bottom 18.5% in $100M-$1B
2120
Nonperforming Asset Ratio
credit_quality
Value:
1.02%
Peer Median: 0.67%
#2120 of 2643
Bottom 19.8% in $100M-$1B