BlastPoint's Banking Scorecard

Texas Bank and Trust Company

$1B-$10B Specialty: Commercial TX FDIC cert 17842

Designations: ✓ Community bank

Longview, TX

22 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Texas Bank and Trust Company has 3 strengths but faces 1 concern

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 0.08% above tier average
+ Efficiency Ratio 4.41% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.16% below tier average

Get updates when Texas Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$4.5B +1.2% YoY +1.8% QoQ	+$1.6B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$3.3B -3.2% YoY -1.0% QoQ	+$1.4B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$3.9B +0.5% YoY +2.6% QoQ	+$1.5B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	1.44% +38.4% YoY +8.8% QoQ	+0.08%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.66% +19.0% YoY +8.3% QoQ	-0.16%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	56.65% -10.3% YoY -2.0% QoQ	-4.41%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.29% +248.6% YoY -27.2% QoQ	-0.60%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	85.99% -3.6% YoY -3.5% QoQ	+1.78%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	26.37% +5.2% YoY +0.6% QoQ	+5.08%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.23% +177.4% YoY -27.9% QoQ	-0.44%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	15.83% +16.4% YoY +4.3% QoQ	+0.67%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.19% +4.5% YoY -76.2% QoQ	-0.07%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	68%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

138

Total Deposits

size

Value: $3.89B

Peer Median: $2.34B

#138 of 884 Top 15.5% in $1B-$10B

144

Total Loans

size

Value: $3.34B

Peer Median: $1.96B

#144 of 884 Top 16.2% in $1B-$10B

153

Total Assets

size

Value: $4.46B

Peer Median: $2.82B

#153 of 884 Top 17.2% in $1B-$10B

185

Tier 1 Capital Ratio

capital

Value: 15.83%

Peer Median: 15.16%

#185 of 884 Top 20.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available