BlastPoint's Banking Scorecard
Spur Security Bank
Spur, TX
2 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 +17.0% year over year ($127.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.75%.
- Efficiency ratio 75.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Spur Security Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 11.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.6M
+20.6% YoY
+8.3% QoQ
|
-$246.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.6% in tier |
| Total Loans ? |
$94.5M
+28.8% YoY
+10.2% QoQ
|
-$163.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$127.3M
+17.0% YoY
+6.0% QoQ
|
-$199.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.6% in tier |
| Return on Assets ? |
0.75%
+108.8% YoY
+8.6% QoQ
|
-0.57% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.84%
+9.3% YoY
+5.6% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
75.51%
-13.4% YoY
-4.3% QoQ
|
+11.03% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
74.23%
+10.0% YoY
+4.0% QoQ
|
-3.72% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
30.09%
+15.9% YoY
+13.5% QoQ
|
+8.06% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.91%
-1.0% YoY
+14.0% QoQ
|
+2.00% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.14%
+44.8% YoY
+162.5% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
30.1%
+4.1pp YoY +3.6pp QoQ |
+7.9pp | 22.1% | 29.2% | 22.2% | 82% |
| Brokered Deposits |
14.4%
-6.9pp YoY -0.9pp QoQ |
+6.5pp | 7.9% | 8.0% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.8%
+2.4pp YoY +2.8pp QoQ |
+17.2pp | 11.6% | 14.8% | 12.5% | 96% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
27.9%
-5.0pp YoY -0.7pp QoQ |
-4.8pp | 32.6% | 25.8% | 31.3% | 46% |
| Consumer |
0.8%
-0.2pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 4.7% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.9%
-0.2pp YoY +2.2pp QoQ |
-0.9pp | 18.8% | 22.7% | 19.7% | 69% |
| Leverage Ratio |
12.4%
+1.0pp YoY +2.4pp QoQ |
+0.2pp | 12.2% | 12.6% | 12.6% | 68% |
| Total Capital Ratio |
19.0%
-0.1pp YoY +2.2pp QoQ |
-0.9pp | 19.9% | 23.8% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+3 (+17.6%) YoY 0 QoQ |
-39 | 58 | 186 | 482 | 11% |
| Assets per Employee ($) |
$7.0M
+2.5% YoY +8.3% QoQ |
-$491K | $7.5M | $10.1M | $8.8M | 52% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
+4.2pp YoY -0.3pp QoQ |
-2.2pp | 12.2% | 13.2% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.4%
-0.3pp YoY -0.1pp QoQ |
+0.6pp | 1.7% | 1.6% | 1.7% | 86% |
| Net Income ($, YTD) |
$508,000
+147.8% YoY — QoQ |
-$2.0M | $2.6M | $15.9M | $40.4M | 11% |
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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.