BlastPoint's Banking Scorecard

Stockmens National Bank in Cotulla

$100M-$1B Specialty: Other TX FDIC cert 14864

Cotulla, TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 15.21% above tier average
+ ROA 0.57% above tier average
+ Efficiency Ratio 14.16% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.28% 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 ?	$121.4M +10.5% YoY -2.6% QoQ	-$264.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 6.4% in tier
Total Loans ?	$24.5M -20.3% YoY -13.9% QoQ	-$231.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 0.8% in tier
Total Deposits ?	$109.3M +10.3% YoY -3.2% QoQ	-$218.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 8.4% in tier
Return on Assets ?	1.83% +18.1% YoY +14.7% QoQ	+0.57%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	3.65% +9.8% YoY +10.8% QoQ	-0.28%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	51.13% -6.2% YoY -3.9% QoQ	-14.16%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-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 ?	22.45% -27.7% YoY -11.0% QoQ	-54.19%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 0.9% in tier
Non-Interest-Bearing Deposit Share ?	37.23% -4.7% YoY -11.9% QoQ	+15.21%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.4% in tier
Nonperforming Asset Ratio ?	1.04% +22.6% YoY +21.8% QoQ	+0.41%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	10.11% -3.9% YoY +2.6% QoQ	-5.72%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 10.9% in tier
Non-Interest Income / Assets ?	0.09% +1.1% YoY -74.0% QoQ	-0.19%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	44%

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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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

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

Loan-to-Deposit Ratio

liquidity

Value: 22.45%

Peer Median: 76.64%

#25 of 2664 Top 0.9% in $100M-$1B

198

Non-Interest-Bearing Deposit Share

funding

Value: 37.23%

Peer Median: 22.02%

#198 of 2664 Top 7.4% in $100M-$1B

463

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.27%

#463 of 2664 Top 17.3% in $100M-$1B

478

Efficiency Ratio

profitability

Value: 51.13%

Peer Median: 65.29%

#478 of 2664 Top 17.9% in $100M-$1B

Top Weaknesses (5 metrics)

2644

Total Loans

size

Value: $24.52M

Peer Median: $255.72M

#2644 of 2664 Bottom 0.8% in $100M-$1B

2495

Total Assets

size

Value: $121.39M

Peer Median: $386.08M

#2495 of 2664 Bottom 6.4% in $100M-$1B

2441

Total Deposits

size

Value: $109.26M

Peer Median: $327.97M

#2441 of 2664 Bottom 8.4% in $100M-$1B

2375

Tier 1 Capital Ratio

capital

Value: 10.11%

Peer Median: 15.83%

#2375 of 2664 Bottom 10.9% in $100M-$1B

2166

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.64%

#2166 of 2664 Bottom 18.7% in $100M-$1B