BlastPoint's Banking Scorecard

The Lytle State Bank of Lytle, Texas

$100M-$1B Specialty: Other TX FDIC cert 15501

Lytle, 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 +7.1% year over year ($101.1M on the books).
Delinquency rate 0.53%.
Return on assets 0.44%.
Efficiency ratio 82.75% vs a 64.48% peer average.
Loan-to-deposit ratio 42.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

The Lytle State Bank of Lytle, Texas has 1 strength 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

+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.4% in tier
- Credit Quality Pressure: Bottom 46.9% in tier
- ROA 0.88% below tier average

Get updates when The Lytle State Bank of Lytle, Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$114.6M +6.9% YoY +1.8% QoQ	-$272.0M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 4.0% in tier
Total Loans ?	$42.8M -2.5% YoY +1.0% QoQ	-$215.5M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 1.9% in tier
Total Deposits ?	$101.1M +7.1% YoY +2.2% QoQ	-$225.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 5.7% in tier
Return on Assets ?	0.44% -32.4% YoY +1.1% QoQ	-0.88%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 10.9% in tier
Net Interest Margin ?	4.00% -1.0% YoY -2.3% QoQ	+0.01%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	82.75% +8.4% YoY +1.7% QoQ	+18.27%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 11.1% in tier
Delinquency Rate ?	0.53% +155.4% YoY +353.6% QoQ	-0.38%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	42.35% -9.0% YoY -1.2% QoQ	-35.60%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.0% in tier
Non-Interest-Bearing Deposit Share ?	27.07% -11.8% YoY -3.7% QoQ	+5.04%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	0.20% +133.0% YoY +349.8% QoQ	-0.47%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	14.59% -4.4% YoY -4.3% QoQ	-1.32%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.39% -8.7% YoY +100.5% QoQ	-0.18%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	84%

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	27.1% -3.6pp YoY -1.0pp QoQ	+4.9pp	22.1%	29.2%	22.2%	73%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	21.0% -0.8pp YoY -0.1pp QoQ	+9.4pp	11.6%	14.8%	12.5%	90%
CRE	14.9% +2.3pp YoY +0.5pp QoQ	-24.6pp	39.5%	48.4%	41.4%	11%
1-4 Family	19.1% +3.1pp YoY +0.2pp QoQ	-13.5pp	32.6%	25.8%	31.3%	28%
Consumer	37.0% -6.1pp YoY -1.9pp QoQ	+32.9pp	4.1%	4.7%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	14.6% -0.7pp YoY -0.7pp QoQ	+2.4pp	12.2%	12.6%	12.6%	85%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	22 +1 (+4.8%) YoY -2 (-8.3%) QoQ	-37	58	186	482	14%
Assets per Employee ($)	$5.2M +2.0% YoY +11.1% QoQ	-$2.3M	$7.5M	$10.1M	$8.8M	18%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.3%	0.0pp	0.3%	0.3%	0.4%	72%
Nonaccrual	0.3% 0.0pp YoY +0.1pp QoQ	-0.7pp	0.9%	1.0%	1.0%	35%
Allowance Coverage	1.82x -57.0% YoY -76.4% QoQ	-22.33x	24.15x	18.82x	20.23x	45%
Net Charge-off Rate (YTD)	0.3% -0.3pp YoY -0.1pp QoQ	+0.1pp	0.1%	0.1%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	4.0% -2.6pp YoY +0.1pp QoQ	-8.2pp	12.2%	13.2%	11.6%	11%
Cost of Funds (YTD)	0.9% +0.3pp YoY +0.1pp QoQ	-0.8pp	1.7%	1.6%	1.7%	9%
Net Income ($, YTD)	$248,000 -30.7% YoY — QoQ	-$2.3M	$2.6M	$15.9M	$40.4M	6%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#53 of 361 • Bottom 14.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.75%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#590 of 1256 • Bottom 46.9% in tier

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

Why this signature

Delinquency Rate: 0.53%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

133

Loan-to-Deposit Ratio

liquidity

Value: 42.35%

Peer Median: 77.95%

#133 of 2643 Top 5.0% in $100M-$1B

418

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#418 of 2643 Top 15.8% in $100M-$1B

Top Weaknesses (5 metrics)

2595

Total Loans

size

Value: $42.80M

Peer Median: $258.35M

#2595 of 2643 Bottom 1.9% in $100M-$1B

2537

Total Assets

size

Value: $114.62M

Peer Median: $386.57M

#2537 of 2643 Bottom 4.0% in $100M-$1B

2493

Total Deposits

size

Value: $101.08M

Peer Median: $326.73M

#2493 of 2643 Bottom 5.7% in $100M-$1B

2357

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.32%

#2357 of 2643 Bottom 10.9% in $100M-$1B

2350

Efficiency Ratio

profitability

Value: 82.75%

Peer Median: 64.48%

#2350 of 2643 Bottom 11.1% in $100M-$1B