BlastPoint's Banking Scorecard

State Bank of De Kalb

$100M-$1B Specialty: Commercial TX FDIC cert 15463

De Kalb, TX

7 branches across TX

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

State Bank of De Kalb has 5 strengths but faces 2 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

+ Revenue Diversifier: Top 39.0% in tier
+ Return on Assets 0.90% above tier average
+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 9.81% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.5% in tier
- Credit Quality Pressure: Bottom 28.3% in tier

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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 ?	$521.1M +12.9% YoY +6.0% QoQ	+$135.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$362.5M +2.2% YoY -1.0% QoQ	+$106.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$458.3M +12.9% YoY +6.4% QoQ	+$130.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	2.17% -3.6% YoY -7.7% QoQ	+0.90%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 9.1% in tier
Net Interest Margin ?	4.74% -4.4% YoY -5.1% QoQ	+0.81%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 12.0% in tier
Efficiency Ratio ?	55.48% +0.3% YoY +1.3% QoQ	-9.81%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.29% +118.5% YoY -2.8% QoQ	-0.60%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	79.09% -9.5% YoY -7.0% QoQ	+2.45%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	24.45% +0.2% YoY -8.2% QoQ	+2.43%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.20% +97.8% YoY -9.2% QoQ	-0.44%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	11.92% +2.3% YoY +0.1% QoQ	-3.91%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.18% -4.4% YoY -78.4% QoQ	-0.10%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	81%

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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)

Revenue Diversifier

growth

#261 of 666 • Top 39.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.17%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#74 of 973 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#371 of 1308 • Bottom 28.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (5 metrics)

244

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.27%

#244 of 2664 Top 9.1% in $100M-$1B

322

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#322 of 2664 Top 12.0% in $100M-$1B

511

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#511 of 2664 Top 19.1% in $100M-$1B

641

Total Deposits

size

Value: $458.34M

Peer Median: $327.97M

#641 of 2664 Top 24.0% in $100M-$1B

644

Total Loans

size

Value: $362.49M

Peer Median: $255.72M

#644 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available