BlastPoint's Banking Scorecard

Producer Bank of Texas

under $100M Specialty: Commercial TX FDIC cert 18302

Designations: ✓ Community bank

Powell, TX

2 branches across TX

541 banks in the under $100M peer group nationally 38 in TX

Producer Bank of Texas 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

+ Net Interest Margin 0.16% above tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.16% below tier average
- Efficiency Ratio 30.19% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$57.8M +13.8% YoY +8.1% QoQ	-$4.3M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$23.0M +57.8% YoY +19.1% QoQ	-$11.3M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$42.3M +22.8% YoY +12.2% QoQ	-$9.5M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	-1.32% -128.8% YoY -58.3% QoQ	-2.16%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 6.3% in tier
Net Interest Margin ?	4.02% +4.3% YoY -6.1% QoQ	+0.16%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	118.54% +8.7% YoY -2.3% QoQ	+30.19%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 8.9% in tier
Delinquency Rate ?	0.70% -91.6% YoY -19.0% QoQ	-0.67%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	54.30% +28.5% YoY +6.2% QoQ	-9.91%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	33.52% +9.4% YoY +15.1% QoQ	+9.80%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.65% -72.8% YoY -8.9% QoQ	-0.14%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	20.22% -16.4% YoY -5.6% QoQ	-6.46%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.18% +79.2% YoY -62.4% QoQ	-0.48%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 12.9% in tier

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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 541 peers in under $100M

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.67%

#71 of 541 Top 12.9% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 33.52%

Peer Median: 23.71%

#93 of 541 Top 17.0% in under $100M

Top Weaknesses (2 metrics)

508

Return on Assets

profitability

Value: -1.32%

Peer Median: 0.84%

#508 of 541 Bottom 6.3% in under $100M

494

Efficiency Ratio

profitability

Value: 118.54%

Peer Median: 88.34%

#494 of 541 Bottom 8.9% in under $100M