BlastPoint's Banking Scorecard
Pilgrim Bank
Pittsburg, TX
14 branches across TX
Pilgrim Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 22.1% in tier
- - Credit Quality Pressure: Bottom 43.4% in tier
- - Net Interest Margin 1.09% below tier average
- - ROA 0.61% below tier average
- - Efficiency Ratio 9.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$723.6M
+0.5% YoY
+0.1% QoQ
|
+$337.5M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.3% in tier |
| Total Loans ? |
$470.8M
-4.8% YoY
-2.1% QoQ
|
+$215.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 13.7% in tier |
| Total Deposits ? |
$592.9M
+0.6% YoY
+0.8% QoQ
|
+$265.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 12.7% in tier |
| Return on Assets ? |
0.66%
-3.1% YoY
-11.0% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
2.84%
+9.5% YoY
+5.0% QoQ
|
-1.09% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio ? |
74.43%
+0.3% YoY
+1.5% QoQ
|
+9.14% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.36%
-14.9% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
79.40%
-5.5% YoY
-2.9% QoQ
|
+2.76% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
31.74%
-0.2% YoY
+3.5% QoQ
|
+9.72% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 14.1% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-16.8% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.17%
+3.5% YoY
+0.6% QoQ
|
-1.66% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.08%
+9.1% YoY
-79.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.