BlastPoint's Banking Scorecard

Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 18576

Midland, TX

3 branches across TX

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

Bank of Texas has 3 strengths but faces 5 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 26.04% below tier average
+ ROA 0.51% above tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.4% in tier
- Deposit Outflow: Bottom 5.1% in tier
- Margin Compression: Bottom 60.7% in tier
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.13% below tier average

Get updates when Bank of Texas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$543.1M -1.4% YoY +3.2% QoQ	+$157.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$397.6M -5.1% YoY -0.9% QoQ	+$141.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$438.2M -2.4% YoY +4.3% QoQ	+$110.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.78% -9.8% YoY -14.3% QoQ	+0.51%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	3.80% -5.3% YoY -8.0% QoQ	-0.13%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	39.25% +11.4% YoY +11.4% QoQ	-26.04%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 3.4% in tier
Delinquency Rate ?	0.49% -61.9% YoY +440.8% QoQ	-0.40%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	90.72% -2.8% YoY -5.0% QoQ	+14.08%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	24.71% -24.0% YoY -8.7% QoQ	+2.69%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.36% -63.4% YoY +419.0% QoQ	-0.28%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	14.19% +22.7% YoY -0.8% QoQ	-1.64%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.02% +7.8% YoY -75.2% QoQ	-0.26%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 3.9% 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 (3)

Liquidity Strain

risk

#10 of 643 • Bottom 1.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.72%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#27 of 506 • Bottom 5.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Margin Compression

decline

#186 of 305 • Bottom 60.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.78%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 (4 metrics)

Efficiency Ratio

profitability

Value: 39.25%

Peer Median: 65.29%

#91 of 2664 Top 3.4% in $100M-$1B

518

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#518 of 2664 Top 19.4% in $100M-$1B

552

Total Loans

size

Value: $397.58M

Peer Median: $255.72M

#552 of 2664 Top 20.7% in $100M-$1B

643

Total Assets

size

Value: $543.08M

Peer Median: $386.08M

#643 of 2664 Top 24.1% in $100M-$1B

Top Weaknesses (2 metrics)

2561

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2561 of 2664 Bottom 3.9% in $100M-$1B

2056

Loan-to-Deposit Ratio

liquidity

Value: 90.72%

Peer Median: 76.64%

#2056 of 2664 Bottom 22.9% in $100M-$1B