BlastPoint's Banking Scorecard
Robert Lee State Bank
Designations: ✓ Community bank
Robert Lee, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -4.6% year over year ($37.2M on the books).
- Delinquency rate 2.11%.
- Return on assets 0.30%.
- Efficiency ratio 90.75% vs a 119.40% peer average.
- Loan-to-deposit ratio 38.88% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Robert Lee State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 28.65% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Net Interest Margin 0.16% below tier average
- - Delinquency Rate 0.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.9M
-3.1% YoY
-8.1% QoQ
|
-$19.6M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$14.5M
-4.8% YoY
-5.9% QoQ
|
-$20.4M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$37.2M
-4.6% YoY
-9.0% QoQ
|
-$14.5M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.30%
-53.2% YoY
|
-0.70% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.75%
+0.9% YoY
+1.0% QoQ
|
-0.16% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
90.75%
+9.5% YoY
-9.5% QoQ
|
-28.65% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
2.11%
+13.6% YoY
-1.1% QoQ
|
+0.63% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
38.88%
-0.2% YoY
+3.4% QoQ
|
-35.33% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
32.49%
-2.2% YoY
+8.0% QoQ
|
+9.00% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.71%
+11.6% YoY
+1.1% QoQ
|
-0.13% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
14.09%
+7.4% YoY
+9.9% QoQ
|
-13.03% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.25%
+8.2% YoY
+142.5% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
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 |
32.5%
-0.7pp YoY +2.4pp QoQ |
+7.8pp | 24.6% | 29.2% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
10.4%
-0.6pp YoY +0.6pp QoQ |
-3.0pp | 13.4% | 14.8% | 12.5% | 52% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
53.6%
+0.8pp YoY +0.5pp QoQ |
+18.7pp | 35.0% | 25.8% | 31.3% | 75% |
| Consumer |
20.4%
0.0pp YoY +1.5pp QoQ |
+12.7pp | 7.7% | 4.7% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
14.1%
+1.0pp YoY +1.3pp QoQ |
-3.6pp | 17.7% | 12.6% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY +1 (+10.0%) QoQ |
-1 | 12 | 186 | 482 | 50% |
| Assets per Employee ($) |
$3.9M
-3.1% YoY -16.4% QoQ |
-$2.3M | $6.2M | $10.1M | $8.8M | 18% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.1%
+0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.0% | 1.0% | 77% |
| Allowance Coverage |
0.56x
-44.9% YoY +17.1% QoQ |
-5.85x | 6.41x | 18.82x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.6%
+0.6pp YoY -0.6pp QoQ |
+0.4pp | 0.2% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.4%
-3.3pp YoY +2.4pp QoQ |
-4.0pp | 6.4% | 13.2% | 11.6% | 21% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$67,000
-52.5% YoY — QoQ |
-$251K | $317,817 | $15.9M | $40.4M | 20% |
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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.