BlastPoint's Banking Scorecard

Plains State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 17739

Humble, TX

8 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 -2.5% year over year ($685.8M on the books).
Delinquency rate 4.48%.
Return on assets 1.64%.
Efficiency ratio 55.02% vs a 64.48% peer average.
Loan-to-deposit ratio 89.24% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Plains State Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.32% above tier average
+ Net Interest Margin 0.52% above tier average
+ Efficiency Ratio 9.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 40.4% in tier
- Margin Compression: Bottom 54.7% in tier
- Delinquency Rate 3.56% above tier average
- Nonperforming Asset Ratio 2.74% above tier average

Get updates when Plains State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$828.4M -2.7% YoY -1.4% QoQ	+$441.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 6.7% in tier
Total Loans ?	$612.0M -6.4% YoY -0.3% QoQ	+$353.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 5.6% in tier
Total Deposits ?	$685.8M -2.5% YoY +0.6% QoQ	+$359.0M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 7.8% in tier
Return on Assets ?	1.64% -10.0% YoY +11.9% QoQ	+0.32%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.51% -3.4% YoY +3.2% QoQ	+0.52%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	55.02% +1.0% YoY -4.4% QoQ	-9.46%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	4.48% +172.8% YoY +81.9% QoQ	+3.56%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 3.2% in tier
Loan-to-Deposit Ratio ?	89.24% -4.0% YoY -1.0% QoQ	+11.29%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	22.57% +3.9% YoY +2.2% QoQ	+0.54%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	3.41% +166.8% YoY +89.3% QoQ	+2.74%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 2.6% in tier
Tier 1 Capital Ratio ?	16.47% +5.4% YoY -4.8% QoQ	+0.56%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.08% -75.6% YoY +370.7% QoQ	-0.49%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 11.2% in tier

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	22.6% +0.8pp YoY +0.5pp QoQ	+0.4pp	22.1%	29.2%	22.2%	57%
Brokered Deposits	11.3% +3.0pp YoY +1.1pp QoQ	+3.5pp	7.9%	8.0%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	8.4% -4.9pp YoY -1.1pp QoQ	-3.2pp	11.6%	14.8%	12.5%	43%
CRE	80.0% +4.7pp YoY 0.0pp QoQ	+40.5pp	39.5%	48.4%	41.4%	98%
1-4 Family	3.0% -1.0pp YoY -0.4pp QoQ	-29.7pp	32.6%	25.8%	31.3%	3%
Consumer	5.9% +0.5pp YoY -0.2pp QoQ	+1.8pp	4.1%	4.7%	5.0%	82%

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	16.5% +0.8pp YoY -0.8pp QoQ	+4.3pp	12.2%	12.6%	12.6%	92%
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	79 -13 (-14.1%) YoY +2 (+2.6%) QoQ	+20	58	186	482	76%
Assets per Employee ($)	$10.5M +13.3% YoY -3.9% QoQ	+$3.0M	$7.5M	$10.1M	$8.8M	88%
Branch Count	8 0 YoY 0 QoQ	+3	4	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	2.2% +2.2pp YoY	+1.9pp	0.3%	0.3%	0.4%	98%
Nonaccrual	2.3% +0.7pp YoY -0.2pp QoQ	+1.3pp	0.9%	1.0%	1.0%	90%
Allowance Coverage	0.37x -54.8% YoY -45.2% QoQ	-23.78x	24.15x	18.82x	20.23x	5%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.4% -2.3pp YoY +1.2pp QoQ	-2.8pp	12.2%	13.2%	11.6%	33%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	67%
Net Income ($, YTD)	$7.0M -13.5% YoY — QoQ	+$4.4M	$2.6M	$15.9M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#301 of 742 • Bottom 40.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.47%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 89.24%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline

#169 of 307 • Bottom 54.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.64%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

149

Total Loans

size

Value: $612.00M

Peer Median: $258.35M

#149 of 2643 Top 5.6% in $100M-$1B

178

Total Assets

size

Value: $828.40M

Peer Median: $386.57M

#178 of 2643 Top 6.7% in $100M-$1B

207

Total Deposits

size

Value: $685.75M

Peer Median: $326.73M

#207 of 2643 Top 7.8% in $100M-$1B

524

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.99%

#524 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (3 metrics)

2575

Nonperforming Asset Ratio

credit_quality

Value: 3.41%

Peer Median: 0.67%

#2575 of 2643 Bottom 2.6% in $100M-$1B

2551

Delinquency Rate

credit_quality

Value: 4.48%

Peer Median: 0.92%

#2551 of 2633 Bottom 3.2% in $100M-$1B

2347

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2347 of 2643 Bottom 11.2% in $100M-$1B