BlastPoint's Banking Scorecard

Texas State Bank

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

San Angelo, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 12.2% in tier
+ Profitability Leader: Top 26.1% in tier
+ Credit Quality Leader: Top 36.9% in tier
+ Deposit Franchise: Top 43.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 10.57% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$423.3M +1.6% YoY -1.6% QoQ	+$37.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$271.6M +8.3% YoY +1.1% QoQ	+$15.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$363.3M +6.5% YoY +0.6% QoQ	+$35.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	2.36% +13.8% YoY -1.2% QoQ	+1.10%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 6.2% in tier
Net Interest Margin ?	4.49% +9.9% YoY +2.7% QoQ	+0.56%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	54.72% -2.4% YoY +3.2% QoQ	-10.57%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	74.75% +1.7% YoY +0.5% QoQ	-1.89%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	45.04% +2.5% YoY -1.5% QoQ	+23.02%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.45% -27.6% YoY -30.6% QoQ	-2.38%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.31% -0.9% YoY -75.1% QoQ	+0.03%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 6.3% 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 (4)

Revenue Diversifier

growth

#82 of 666 • Top 12.2% 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: 0.31%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.36%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#175 of 666 • Top 26.1% in tier

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

Why this signature

Return on Assets: 2.36%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#246 of 664 • Top 36.9% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#120 of 272 • Top 43.8% 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: 45.04%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.49%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.04%

Peer Median: 22.02%

#74 of 2664 Top 2.7% in $100M-$1B

165

Return on Assets

profitability

Value: 2.36%

Peer Median: 1.27%

#165 of 2664 Top 6.2% in $100M-$1B

169

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.28%

#169 of 2664 Top 6.3% in $100M-$1B

490

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.93%

#490 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available