BlastPoint's Banking Scorecard

Bridge City State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 18155

Bridge City, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Bridge City State Bank has 2 strengths but faces 2 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

+ Efficiency Ratio 0.09% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Net Interest Margin 0.45% below tier average

Get updates when Bridge City State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$264.3M +16.8% YoY +1.3% QoQ	-$121.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$124.1M +2.6% YoY -2.0% QoQ	-$131.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$218.6M +17.6% YoY +1.8% QoQ	-$109.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	1.06% +4.7% YoY -8.4% QoQ	-0.20%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.48% -3.0% YoY -4.5% QoQ	-0.45%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	65.19% -3.7% YoY +1.7% QoQ	-0.09%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.12% -50.0% YoY -0.7% QoQ	-0.77%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	56.78% -12.8% YoY -3.8% QoQ	-19.86%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	27.03% -18.8% YoY +2.4% QoQ	+5.01%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.05% -73.1% YoY -4.0% QoQ	-0.58%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	20.34% +1.7% YoY +3.9% QoQ	+4.51%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.08% -12.3% YoY -75.6% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	38%

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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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

338

Tier 1 Capital Ratio

capital

Value: 20.34%

Peer Median: 15.83%

#338 of 2664 Top 12.7% in $100M-$1B

408

Loan-to-Deposit Ratio

liquidity

Value: 56.78%

Peer Median: 76.64%

#408 of 2664 Top 15.3% in $100M-$1B

609

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#609 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available