BlastPoint's Banking Scorecard

Spur Security Bank

$100M-$1B Specialty: Commercial TX FDIC cert 15460

Spur, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Spur Security Bank has 2 strengths but faces 3 concerns

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

+ Credit Quality Leader: Top 33.4% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- ROA 0.58% below tier average
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 13.59% above 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 ?	$130.0M +12.3% YoY -3.5% QoQ	-$256.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 8.6% in tier
Total Loans ?	$85.7M +30.9% YoY +3.9% QoQ	-$170.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 14.0% in tier
Total Deposits ?	$120.0M +11.1% YoY -4.0% QoQ	-$207.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 11.8% in tier
Return on Assets ?	0.69% +709.6% YoY +51.6% QoQ	-0.58%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.64% +7.8% YoY +2.3% QoQ	-0.29%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	78.87% -15.0% YoY -3.0% QoQ	+13.59%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.00% -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 ?	71.40% +17.8% YoY +8.1% QoQ	-5.24%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	26.51% -8.8% YoY +7.4% QoQ	+4.49%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.93% -19.5% YoY +0.3% QoQ	+0.10%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.05% +17.6% YoY -81.3% QoQ	-0.23%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	22%

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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 (1)

Credit Quality Leader

growth

#223 of 664 • Top 33.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

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

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2437

Total Assets

size

Value: $129.95M

Peer Median: $386.08M

#2437 of 2664 Bottom 8.6% in $100M-$1B

2350

Total Deposits

size

Value: $120.05M

Peer Median: $327.97M

#2350 of 2664 Bottom 11.8% in $100M-$1B

2293

Total Loans

size

Value: $85.71M

Peer Median: $255.72M

#2293 of 2664 Bottom 14.0% in $100M-$1B

2221

Efficiency Ratio

profitability

Value: 78.87%

Peer Median: 65.29%

#2221 of 2664 Bottom 16.7% in $100M-$1B

2120

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.27%

#2120 of 2664 Bottom 20.5% in $100M-$1B

2088

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2088 of 2664 Bottom 21.7% in $100M-$1B