BlastPoint's Banking Scorecard
Central Bank
Designations: ✓ Community bank
Houston, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +13.0% year over year ($1.3B on the books).
- Delinquency rate 0.55%.
- Return on assets 1.87%.
- Efficiency ratio 62.18% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.61% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 56.2% in tier
- + ROA 0.48% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+12.8% YoY
+5.1% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$1.1B
+12.1% YoY
+7.4% QoQ
|
-$872.2M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$1.3B
+13.0% YoY
+5.4% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.87%
+0.4% YoY
+1.8% QoQ
|
+0.48% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.64%
-5.7% YoY
+1.6% QoQ
|
+0.77% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 9.8% in tier |
| Efficiency Ratio ? |
62.18%
-1.2% YoY
-1.6% QoQ
|
+2.45% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.55%
+426.3% YoY
|
-0.32% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
85.61%
-0.8% YoY
+1.9% QoQ
|
+0.58% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
31.43%
-16.9% YoY
-8.2% QoQ
|
+10.15% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+139.5% YoY
+228.8% QoQ
|
-0.12% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.93%
+0.2% YoY
-2.9% QoQ
|
-1.91% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.31%
+40.4% YoY
+72.8% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
31.4%
-6.4pp YoY -2.8pp QoQ |
+10.1pp | 21.4% | 29.2% | 22.2% | 87% |
| Brokered Deposits |
6.3%
+5.3pp YoY +5.4pp QoQ |
-3.1pp | 9.5% | 8.0% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.6%
+0.2pp YoY +1.0pp QoQ |
+0.6pp | 14.0% | 14.8% | 12.5% | 66% |
| CRE |
41.1%
-1.1pp YoY -2.8pp QoQ |
-8.9pp | 50.0% | 48.4% | 41.4% | 27% |
| 1-4 Family |
28.2%
-1.8pp YoY +1.0pp QoQ |
+1.7pp | 26.4% | 25.8% | 31.3% | 61% |
| Consumer |
2.1%
-0.6pp YoY -0.2pp QoQ |
-2.6pp | 4.7% | 4.7% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
0.0pp YoY -0.4pp QoQ |
-2.7pp | 15.6% | 22.7% | 19.7% | 40% |
| Leverage Ratio |
10.1%
-0.1pp YoY 0.0pp QoQ |
-1.2pp | 11.3% | 12.6% | 12.6% | 38% |
| Total Capital Ratio |
14.0%
0.0pp YoY -0.4pp QoQ |
-2.7pp | 16.7% | 23.8% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
162
+2 (+1.2%) YoY +2 (+1.2%) QoQ |
-152 | 313 | 186 | 482 | 28% |
| Assets per Employee ($) |
$8.7M
+11.5% YoY +3.8% QoQ |
-$1.7M | $10.5M | $10.1M | $8.8M | 51% |
| Branch Count |
4
0 YoY 0 QoQ |
-16 | 20 | 12 | 18 | 10% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.4pp YoY +0.5pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 52% |
| Allowance Coverage |
1.75x
-81.9% YoY -93.5% QoQ |
-16.96x | 18.71x | 18.82x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.3%
-0.3pp YoY +0.6pp QoQ |
+7.7pp | 12.6% | 13.2% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.8%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.6% | 1.7% | 43% |
| Net Income ($, YTD) |
$12.7M
+11.4% YoY — QoQ |
-$6.5M | $19.2M | $15.9M | $40.4M | 51% |
Get Full Access to Central 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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.