BlastPoint's Banking Scorecard

Texas State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 18698

San Angelo, TX

4 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 +4.9% year over year ($354.2M on the books).
Delinquency rate 0.00%.
Return on assets 2.54%.
Efficiency ratio 52.80% vs a 64.48% peer average.
Loan-to-deposit ratio 78.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Texas State Bank demonstrates 6 strengths

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

+ Revenue Diversifier: Top 11.7% in tier
+ Profitability Leader: Top 22.1% in tier
+ Credit Quality Leader: Top 34.3% in tier
+ Deposit Franchise: Top 37.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 11.68% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Texas State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$425.5M +2.2% YoY +0.5% QoQ	+$39.0M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$278.4M +9.8% YoY +2.5% QoQ	+$20.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$354.2M +4.9% YoY -2.5% QoQ	+$27.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	2.54% +11.7% YoY +7.3% QoQ	+1.22%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 4.5% in tier
Net Interest Margin ?	4.62% +9.6% YoY +3.0% QoQ	+0.64%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	52.80% -2.5% YoY -3.5% QoQ	-11.68%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	78.60% +4.7% YoY +5.2% QoQ	+0.65%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	44.31% -2.6% YoY -1.6% QoQ	+22.28%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 3.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.58% -35.0% YoY +0.9% QoQ	-2.33%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.64% -4.5% YoY +102.2% QoQ	+0.07%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 6.4% in tier

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	44.3% -1.2pp YoY -0.7pp QoQ	+22.2pp	22.1%	29.2%	22.2%	97%
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	9.5% +0.4pp YoY +0.4pp QoQ	-2.0pp	11.6%	14.8%	12.5%	50%
CRE	38.0% +3.1pp YoY +2.1pp QoQ	-1.5pp	39.5%	48.4%	41.4%	49%
1-4 Family	31.6% -0.8pp YoY -0.8pp QoQ	-1.1pp	32.6%	25.8%	31.3%	55%
Consumer	1.4% +0.1pp YoY 0.0pp QoQ	-2.7pp	4.1%	4.7%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	13.6% -0.2pp YoY +0.1pp QoQ	+1.4pp	12.2%	12.6%	12.6%	79%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	71 +1 (+1.4%) YoY 0 QoQ	+12	58	186	482	72%
Assets per Employee ($)	$6.0M +0.8% YoY +0.5% QoQ	-$1.5M	$7.5M	$10.1M	$8.8M	33%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

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	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	20.3% +0.9pp YoY +1.2pp QoQ	+8.1pp	12.2%	13.2%	11.6%	89%
Cost of Funds (YTD)	0.7% -0.3pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$5.4M +13.8% YoY — QoQ	+$2.9M	$2.6M	$15.9M	$40.4M	89%

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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 (4)

Revenue Diversifier

growth

#78 of 661 • Top 11.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.64%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.54%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#147 of 661 • Top 22.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.54%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#227 of 659 • Top 34.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#104 of 278 • Top 37.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 44.31%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.62%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 44.31%

Peer Median: 22.03%

#79 of 2643 Top 3.0% in $100M-$1B

119

Return on Assets

profitability

Value: 2.54%

Peer Median: 1.32%

#119 of 2643 Top 4.5% in $100M-$1B

170

Non-Interest Income / Assets

revenue_mix

Value: 0.64%

Peer Median: 0.57%

#170 of 2643 Top 6.4% in $100M-$1B

446

Net Interest Margin

profitability

Value: 4.62%

Peer Median: 3.99%

#446 of 2643 Top 16.8% in $100M-$1B

599

Efficiency Ratio

profitability

Value: 52.80%

Peer Median: 64.48%

#599 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available