BlastPoint's Banking Scorecard

The Lytle State Bank of Lytle, Texas

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

Lytle, TX

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

The Lytle State Bank of Lytle, Texas has 2 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

+ Net Interest Margin 0.16% above tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.5% in tier
- ROA 0.83% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$112.6M +2.0% YoY +4.6% QoQ	-$273.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 3.6% in tier
Total Loans ?	$42.4M -4.8% YoY -2.8% QoQ	-$213.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.8% in tier
Total Deposits ?	$98.9M +1.0% YoY +7.6% QoQ	-$229.1M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 5.3% in tier
Return on Assets ?	0.44% -26.1% YoY -8.0% QoQ	-0.83%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 11.7% in tier
Net Interest Margin ?	4.09% +2.4% YoY +1.6% QoQ	+0.16%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	81.39% +3.7% YoY +0.6% QoQ	+16.10%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 13.7% in tier
Delinquency Rate ?	0.12% -50.9% YoY -70.1% QoQ	-0.77%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	42.88% -5.7% YoY -9.6% QoQ	-33.76%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.4% in tier
Non-Interest-Bearing Deposit Share ?	28.11% -7.3% YoY -3.6% QoQ	+6.09%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.04% -54.2% YoY -72.2% QoQ	-0.59%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	15.25% +1.0% YoY -1.4% QoQ	-0.58%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.19% -13.1% YoY -76.0% QoQ	-0.09%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	85%

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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 (1)

Efficiency Drag

risk

#36 of 414 • Bottom 8.5% in tier

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

Why this signature

Efficiency Ratio: 81.39%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 (4 metrics)

145

Loan-to-Deposit Ratio

liquidity

Value: 42.88%

Peer Median: 76.64%

#145 of 2664 Top 5.4% in $100M-$1B

402

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#402 of 2664 Top 15.1% in $100M-$1B

570

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#570 of 2664 Top 21.4% in $100M-$1B

625

Non-Interest-Bearing Deposit Share

funding

Value: 28.11%

Peer Median: 22.02%

#625 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (5 metrics)

2618

Total Loans

size

Value: $42.39M

Peer Median: $255.72M

#2618 of 2664 Bottom 1.8% in $100M-$1B

2570

Total Assets

size

Value: $112.57M

Peer Median: $386.08M

#2570 of 2664 Bottom 3.6% in $100M-$1B

2523

Total Deposits

size

Value: $98.86M

Peer Median: $327.97M

#2523 of 2664 Bottom 5.3% in $100M-$1B

2352

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.27%

#2352 of 2664 Bottom 11.7% in $100M-$1B

2299

Efficiency Ratio

profitability

Value: 81.39%

Peer Median: 65.29%

#2299 of 2664 Bottom 13.7% in $100M-$1B