BlastPoint's Banking Scorecard
Security Bank of Texas
Crawford, TX
4 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 +21.4% year over year ($152.6M on the books).
- Delinquency rate 1.77%.
- Return on assets 1.00%.
- Efficiency ratio 71.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.06% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Bank of Texas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.42% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 57.3% in tier
- - Efficiency Ratio 7.05% above tier average
- - Delinquency Rate 0.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.9M
+19.8% YoY
+4.1% QoQ
|
-$210.6M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$123.7M
+15.6% YoY
-2.3% QoQ
|
-$134.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$152.6M
+21.4% YoY
+4.2% QoQ
|
-$174.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.00%
-22.9% YoY
+17.3% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
5.41%
-4.3% YoY
+1.6% QoQ
|
+1.42% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.6% in tier |
| Efficiency Ratio ? |
71.53%
+5.1% YoY
-4.1% QoQ
|
+7.05% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
1.77%
+668.6% YoY
-5.5% QoQ
|
+0.86% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
81.06%
-4.7% YoY
-6.2% QoQ
|
+3.11% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
22.74%
+23.7% YoY
+16.1% QoQ
|
+0.71% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.52%
+412.9% YoY
-9.6% QoQ
|
+0.85% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
12.00%
-12.6% YoY
-4.5% QoQ
|
-3.91% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.11%
-26.8% YoY
+137.6% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
22% |
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 |
22.7%
+4.4pp YoY +3.2pp QoQ |
+0.6pp | 22.1% | 29.2% | 22.2% | 58% |
| 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 |
8.7%
-2.0pp YoY -0.3pp QoQ |
-2.9pp | 11.6% | 14.8% | 12.5% | 45% |
| CRE |
47.9%
+8.0pp YoY +0.1pp QoQ |
+8.4pp | 39.5% | 48.4% | 41.4% | 67% |
| 1-4 Family |
42.2%
-6.2pp YoY +0.2pp QoQ |
+9.5pp | 32.6% | 25.8% | 31.3% | 73% |
| Consumer |
1.0%
0.0pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 4.7% | 5.0% | 29% |
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 |
12.0%
-1.7pp YoY -0.6pp QoQ |
-0.2pp | 12.2% | 12.6% | 12.6% | 65% |
| 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 |
29
+1 (+3.6%) YoY -2 (-6.5%) QoQ |
-30 | 58 | 186 | 482 | 25% |
| Assets per Employee ($) |
$6.1M
+15.6% YoY +11.3% QoQ |
-$1.5M | $7.5M | $10.1M | $8.8M | 35% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.8%
+1.5pp YoY -0.1pp QoQ |
+0.8pp | 0.9% | 1.0% | 1.0% | 85% |
| Allowance Coverage |
0.77x
-87.2% YoY +7.5% QoQ |
-23.38x | 24.15x | 18.82x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
-1.1pp YoY +1.3pp QoQ |
-4.0pp | 12.2% | 13.2% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.4%
0.0pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.6% | 1.7% | 88% |
| Net Income ($, YTD) |
$846,000
-5.6% YoY — QoQ |
-$1.7M | $2.6M | $15.9M | $40.4M | 22% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.