BlastPoint's Banking Scorecard
Broadway National Bank
San Antonio, TX
33 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits -5.6% year over year ($4.9B on the books).
- Delinquency rate 0.20%.
- Return on assets 1.74%.
- Efficiency ratio 57.85% vs a 59.73% peer average.
- Loan-to-deposit ratio 64.58% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Broadway National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7.2% in tier
- + Profitability Leader: Top 31.5% in tier
- + Efficiency Ratio 1.88% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.5% in tier
- - Deposit Outflow: Bottom 18.3% in tier
- - Net Interest Margin 0.46% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
-6.5% YoY
-5.5% QoQ
|
+$2.6B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 12.3% in tier |
| Total Loans ? |
$3.1B
-10.8% YoY
-3.0% QoQ
|
+$1.2B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$4.9B
-5.6% YoY
-6.5% QoQ
|
+$2.5B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 10.8% in tier |
| Return on Assets ? |
1.74%
+39.6% YoY
+15.0% QoQ
|
+0.35% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
3.41%
+6.0% YoY
+4.5% QoQ
|
-0.46% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
57.85%
-9.7% YoY
-3.7% QoQ
|
-1.88% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.20%
+70.9% YoY
+61.7% QoQ
|
-0.67% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
64.58%
-5.4% YoY
+3.8% QoQ
|
-20.46% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.06%
+3.4% YoY
+7.1% QoQ
|
+0.79% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.17%
-53.1% YoY
+45.4% QoQ
|
-0.51% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
16.72%
+22.7% YoY
+5.8% QoQ
|
+1.88% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.52%
+20.3% YoY
+118.1% QoQ
|
+0.00% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
82% |
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 |
22.1%
+0.7pp YoY +1.5pp QoQ |
+0.7pp | 21.4% | 29.2% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
10.7%
-1.6pp YoY +0.1pp QoQ |
-3.3pp | 14.0% | 14.8% | 12.5% | 47% |
| CRE |
50.7%
-1.7pp YoY -0.6pp QoQ |
+0.7pp | 50.0% | 48.4% | 41.4% | 54% |
| 1-4 Family |
28.2%
+2.6pp YoY +0.5pp QoQ |
+1.8pp | 26.4% | 25.8% | 31.3% | 62% |
| Consumer |
5.4%
+0.4pp YoY +0.2pp QoQ |
+0.7pp | 4.7% | 4.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.7%
+3.1pp YoY +0.9pp QoQ |
+1.1pp | 15.6% | 22.7% | 19.7% | 81% |
| Leverage Ratio |
10.9%
+1.1pp YoY +0.7pp QoQ |
-0.4pp | 11.3% | 12.6% | 12.6% | 59% |
| Total Capital Ratio |
17.7%
+3.1pp YoY +0.9pp QoQ |
+1.0pp | 16.7% | 23.8% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
572
-57 (-9.1%) YoY -15 (-2.6%) QoQ |
+258 | 313 | 186 | 482 | 87% |
| Assets per Employee ($) |
$9.5M
+2.8% YoY -3.1% QoQ |
-$1.0M | $10.5M | $10.1M | $8.8M | 60% |
| Branch Count |
33
-3 (-8.3%) YoY -1 (-2.9%) QoQ |
+13 | 20 | 12 | 18 | 84% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 53% |
| Nonaccrual |
0.2%
+0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 17% |
| Allowance Coverage |
5.58x
-40.1% YoY -38.0% QoQ |
-13.13x | 18.71x | 18.82x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.6%
+3.0pp YoY +2.0pp QoQ |
+8.1pp | 12.6% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.4%
-0.4pp YoY -0.1pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 17% |
| Net Income ($, YTD) |
$49.5M
+38.6% YoY — QoQ |
+$30.3M | $19.2M | $15.9M | $40.4M | 93% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.