BlastPoint's Banking Scorecard
Robert Lee State Bank
Designations: ✓ Community bank
Robert Lee, TX
Robert Lee State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 12.59% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.6M
-2.0% YoY
+5.6% QoQ
|
-$15.6M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
28% |
| Total Loans ? |
$15.4M
+1.8% YoY
-5.6% QoQ
|
-$18.9M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
20% |
| Total Deposits ? |
$40.9M
-3.8% YoY
+6.5% QoQ
|
-$11.0M |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
31% |
| Return on Assets ? |
-0.01%
-102.2% YoY
-102.3% QoQ
|
-0.86% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 14.9% in tier |
| Net Interest Margin ? |
3.72%
+4.6% YoY
+0.6% QoQ
|
-0.15% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
100.22%
+14.8% YoY
+17.5% QoQ
|
+12.59% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate ? |
2.13%
+192.8% YoY
-7.8% QoQ
|
+0.77% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
37.61%
+5.9% YoY
-11.4% QoQ
|
-26.50% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
30.09%
-3.9% YoY
-11.1% QoQ
|
+6.30% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.70%
+204.1% YoY
-17.6% QoQ
|
-0.07% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.83%
-1.0% YoY
-8.6% QoQ
|
-13.95% |
26.77%
+2.0% YoY
|
18.06%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.10%
-2.1% YoY
-77.7% QoQ
|
-0.57% |
0.67%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% YoY
|
72% |
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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.