BlastPoint's Banking Scorecard
Johnson City Bank
Johnson City, 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 +10.9% year over year ($128.8M on the books).
- Delinquency rate 0.26%.
- Return on assets 1.29%.
- Efficiency ratio 63.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Johnson City Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Efficiency Ratio 1.37% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 66.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.8M
+9.9% YoY
-1.3% QoQ
|
-$239.7M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.1% in tier |
| Total Loans ? |
$86.2M
+4.2% YoY
+0.4% QoQ
|
-$172.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.1% in tier |
| Total Deposits ? |
$128.8M
+10.9% YoY
-1.5% QoQ
|
-$197.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
1.29%
-8.2% YoY
-12.9% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.05%
+0.6% YoY
+1.8% QoQ
|
+0.06% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
63.11%
-4.0% YoY
+0.2% QoQ
|
-1.37% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.26%
-53.0% YoY
-45.1% QoQ
|
-0.66% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
66.93%
-6.1% YoY
+1.9% QoQ
|
-11.03% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
33.89%
-9.2% YoY
-9.1% QoQ
|
+11.86% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 10.9% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-55.5% YoY
-44.1% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.57%
-8.5% YoY
-3.8% QoQ
|
-3.33% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.12%
-3.9% YoY
+89.3% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
33.9%
-3.4pp YoY -3.4pp QoQ |
+11.7pp | 22.1% | 29.2% | 22.2% | 89% |
| 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 |
8.0%
+0.9pp YoY +1.8pp QoQ |
-3.6pp | 11.6% | 14.8% | 12.5% | 40% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
55.6%
+2.0pp YoY +0.4pp QoQ |
+22.9pp | 32.6% | 25.8% | 31.3% | 87% |
| Consumer |
7.9%
-2.2pp YoY -0.5pp QoQ |
+3.8pp | 4.1% | 4.7% | 5.0% | 88% |
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 |
12.6%
-1.2pp YoY -0.5pp QoQ |
+0.4pp | 12.2% | 12.6% | 12.6% | 71% |
| 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 |
24
+1 (+4.3%) YoY 0 QoQ |
-35 | 58 | 186 | 482 | 17% |
| Assets per Employee ($) |
$6.1M
+5.3% YoY -1.3% QoQ |
-$1.4M | $7.5M | $10.1M | $8.8M | 36% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 72% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
4.25x
+101.3% YoY +72.2% QoQ |
-19.90x | 24.15x | 18.82x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.6%
+0.5pp YoY +0.4pp QoQ |
+0.4pp | 0.1% | 0.1% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
-0.5pp YoY -1.5pp QoQ |
-1.6pp | 12.2% | 13.2% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 24% |
| Net Income ($, YTD) |
$939,000
-0.3% YoY — QoQ |
-$1.6M | $2.6M | $15.9M | $40.4M | 25% |
Get Full Access to Johnson City Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.