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 0.84% below tier average
- - Net Interest Margin 0.14% below tier average
- - Efficiency Ratio 11.88% above tier average
- - Delinquency Rate 0.76% 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
|
-$15.5M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$15.4M
+1.8% YoY
-5.6% QoQ
|
-$18.9M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$40.9M
-3.8% YoY
+6.5% QoQ
|
-$10.9M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
-0.01%
-102.2% YoY
-102.3% QoQ
|
-0.84% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.72%
+4.6% YoY
+0.6% QoQ
|
-0.14% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
100.22%
+14.8% YoY
+17.5% QoQ
|
+11.88% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate ? |
2.13%
+192.8% YoY
-7.8% QoQ
|
+0.76% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
37.61%
+5.9% YoY
-11.4% QoQ
|
-26.61% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
30.09%
-3.9% YoY
-11.1% QoQ
|
+6.38% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.70%
+204.1% YoY
-17.6% QoQ
|
-0.08% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.83%
-1.0% YoY
-8.6% QoQ
|
-13.86% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.10%
-2.1% YoY
-77.7% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% 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.