BlastPoint's Banking Scorecard
Producer Bank of Texas
Designations: ✓ Community bank
Powell, TX
2 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +35.2% year over year ($43.3M on the books).
- Delinquency rate 0.60%.
- Return on assets -0.82%.
- Efficiency ratio 116.85% vs a 119.40% peer average.
- Loan-to-deposit ratio 58.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Producer Bank of Texas has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 2.55% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.82% below tier average
- - Efficiency Ratio 2.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.7M
+21.6% YoY
+1.6% QoQ
|
-$3.7M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$25.2M
+62.2% YoY
+10.0% QoQ
|
-$9.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$43.3M
+35.2% YoY
+2.3% QoQ
|
-$8.4M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
-0.82%
-17.4% YoY
+38.1% QoQ
|
-1.82% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.3% in tier |
| Net Interest Margin ? |
4.19%
+1.9% YoY
+4.4% QoQ
|
+0.28% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
116.85%
+4.4% YoY
-1.4% QoQ
|
-2.55% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
0.60%
-89.6% YoY
-14.7% QoQ
|
-0.88% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
58.35%
+20.0% YoY
+7.4% QoQ
|
-15.86% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
27.92%
-16.7% YoY
-16.7% QoQ
|
+4.43% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.26%
-88.8% YoY
-60.6% QoQ
|
-0.58% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
18.61%
-27.6% YoY
-8.0% QoQ
|
-8.52% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.30%
+45.8% YoY
+66.2% QoQ
|
-1.08% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
84% |
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 |
27.9%
-5.6pp YoY -5.6pp QoQ |
+3.3pp | 24.6% | 29.2% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
36.1%
+7.7pp YoY +2.0pp QoQ |
+22.6pp | 13.4% | 14.8% | 12.5% | 95% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
14.1%
-3.5pp YoY -1.7pp QoQ |
-20.9pp | 35.0% | 25.8% | 31.3% | 28% |
| Consumer |
10.2%
-5.4pp YoY -0.3pp QoQ |
+2.5pp | 7.7% | 4.7% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
18.6%
-7.1pp YoY -1.6pp QoQ |
+0.9pp | 17.7% | 12.6% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 186 | 482 | 67% |
| Assets per Employee ($) |
$4.2M
+12.9% YoY +1.6% QoQ |
-$2.0M | $6.2M | $10.1M | $8.8M | 24% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
+0 | 1 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.6%
-5.1pp YoY -0.1pp QoQ |
-1.1pp | 1.7% | 1.0% | 1.0% | 45% |
| Allowance Coverage |
5.29x
+237.2% YoY -5.6% QoQ |
-1.12x | 6.41x | 18.82x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
-0.7%
-2.1pp YoY +0.4pp QoQ |
-0.9pp | 0.2% | 0.1% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-3.3%
-0.9pp YoY +1.9pp QoQ |
-9.7pp | 6.4% | 13.2% | 11.6% | 9% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 53% |
| Net Income ($, YTD) |
$-232000.0
-34.9% YoY — QoQ |
-$550K | $317,817 | $15.9M | $40.4M | 6% |
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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.