BlastPoint's Banking Scorecard
TXN Bank
Hondo, TX
7 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 +4.5% year over year ($613.0M on the books).
- Delinquency rate 0.99%.
- Return on assets 0.99%.
- Efficiency ratio 69.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TXN Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.2% in tier
- - ROA 0.33% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 4.56% above tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$669.2M
+5.9% YoY
+1.4% QoQ
|
+$282.6M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 14.1% in tier |
| Total Loans ? |
$330.8M
+1.2% YoY
-0.8% QoQ
|
+$72.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$613.0M
+4.5% YoY
+1.2% QoQ
|
+$286.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 11.4% in tier |
| Return on Assets ? |
0.99%
+220.5% YoY
+5.0% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.49%
+9.6% YoY
+0.9% QoQ
|
-0.49% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
69.04%
-9.2% YoY
-1.1% QoQ
|
+4.56% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.99%
-11.4% YoY
-10.3% QoQ
|
+0.07% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
53.97%
-3.2% YoY
-2.0% QoQ
|
-23.99% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.22%
-2.8% YoY
+0.3% QoQ
|
+4.19% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.49%
-15.4% YoY
-19.1% QoQ
|
-0.18% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
9.68%
-36.7% YoY
-39.8% QoQ
|
-6.23% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.9% in tier |
| Non-Interest Income / Assets ? |
0.38%
+23.2% YoY
+114.7% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
26.2%
-0.8pp YoY +0.1pp QoQ |
+4.1pp | 22.1% | 29.2% | 22.2% | 70% |
| 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 |
12.2%
+2.0pp YoY +1.6pp QoQ |
+0.7pp | 11.6% | 14.8% | 12.5% | 64% |
| CRE |
44.3%
+0.1pp YoY -1.3pp QoQ |
+4.7pp | 39.5% | 48.4% | 41.4% | 61% |
| 1-4 Family |
23.6%
-1.2pp YoY -0.6pp QoQ |
-9.0pp | 32.6% | 25.8% | 31.3% | 38% |
| Consumer |
1.9%
-0.6pp YoY -0.1pp QoQ |
-2.2pp | 4.1% | 4.7% | 5.0% | 46% |
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 |
9.7%
0.0pp YoY -0.1pp QoQ |
-2.5pp | 12.2% | 12.6% | 12.6% | 25% |
| 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 |
92
+2 (+2.2%) YoY 0 QoQ |
+33 | 58 | 186 | 482 | 83% |
| Assets per Employee ($) |
$7.3M
+3.6% YoY +1.4% QoQ |
-$245K | $7.5M | $10.1M | $8.8M | 57% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 32% |
| Nonaccrual |
1.0%
+0.3pp YoY -0.1pp QoQ |
0.0pp | 0.9% | 1.0% | 1.0% | 70% |
| Allowance Coverage |
1.35x
+4.4% YoY +11.3% QoQ |
-22.80x | 24.15x | 18.82x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+8.0pp YoY +0.6pp QoQ |
+0.8pp | 12.2% | 13.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 45% |
| Net Income ($, YTD) |
$3.3M
+240.6% YoY — QoQ |
+$725K | $2.6M | $15.9M | $40.4M | 73% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.