BlastPoint's Banking Scorecard
Bridge City State Bank
Bridge City, TX
3 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 +4.3% year over year ($199.7M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.09%.
- Efficiency ratio 65.74% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bridge City State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 1.26% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.8M
+2.7% YoY
-6.6% QoQ
|
-$139.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$133.4M
+7.8% YoY
+7.5% QoQ
|
-$124.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$199.7M
+4.3% YoY
-8.6% QoQ
|
-$127.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
1.09%
+1.1% YoY
+2.3% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.62%
-0.2% YoY
+3.9% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
65.74%
-0.7% YoY
+0.8% QoQ
|
+1.26% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.08%
-61.9% YoY
-28.4% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
66.79%
+3.3% YoY
+17.6% QoQ
|
-11.16% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
28.68%
-17.3% YoY
+6.1% QoQ
|
+6.65% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.04%
-60.0% YoY
-17.6% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
20.16%
+0.5% YoY
-0.9% QoQ
|
+4.25% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 13.2% in tier |
| Non-Interest Income / Assets ? |
0.17%
-0.1% YoY
+119.8% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
28.7%
-6.0pp YoY +1.7pp QoQ |
+6.5pp | 22.1% | 29.2% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.4%
-0.3pp YoY +1.5pp QoQ |
+2.9pp | 11.6% | 14.8% | 12.5% | 74% |
| CRE |
60.8%
+3.7pp YoY +0.5pp QoQ |
+21.3pp | 39.5% | 48.4% | 41.4% | 85% |
| 1-4 Family |
24.1%
-1.2pp YoY -1.7pp QoQ |
-8.5pp | 32.6% | 25.8% | 31.3% | 39% |
| Consumer |
1.2%
-0.7pp YoY -0.2pp QoQ |
-2.9pp | 4.1% | 4.7% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.2%
+0.1pp YoY -0.2pp QoQ |
+1.3pp | 18.8% | 22.7% | 19.7% | 78% |
| Leverage Ratio |
11.7%
0.0pp YoY +0.5pp QoQ |
-0.5pp | 12.2% | 12.6% | 12.6% | 61% |
| Total Capital Ratio |
21.0%
+0.2pp YoY -0.2pp QoQ |
+1.1pp | 19.9% | 23.8% | 20.8% | 77% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
38
-2 (-5.0%) YoY -1 (-2.6%) QoQ |
-21 | 58 | 186 | 482 | 39% |
| Assets per Employee ($) |
$6.5M
+8.1% YoY -4.2% QoQ |
-$1.0M | $7.5M | $10.1M | $8.8M | 43% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 16% |
| Allowance Coverage |
11.87x
+168.3% YoY +30.3% QoQ |
-12.28x | 24.15x | 18.82x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
-2.0pp YoY -0.2pp QoQ |
+1.2pp | 12.2% | 13.2% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 33% |
| Net Income ($, YTD) |
$1.4M
+12.1% YoY — QoQ |
-$1.2M | $2.6M | $15.9M | $40.4M | 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.