BlastPoint's Banking Scorecard
Sundown State Bank
Sundown, TX
5 branches across TX
Sundown State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1.5% in tier
- + Profitability Leader: Top 1.8% in tier
- + Efficiency Ratio 40.98% below tier average
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.7M
+17.6% YoY
+3.8% QoQ
|
-$66.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$193.0M
-5.7% YoY
-3.8% QoQ
|
-$62.7M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$278.5M
+15.7% YoY
+1.8% QoQ
|
-$49.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
6.48%
+247.3% YoY
+198.6% QoQ
|
+5.21% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 0.3% in tier |
| Net Interest Margin ? |
4.23%
-8.0% YoY
-10.0% QoQ
|
+0.30% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
24.31%
-50.7% YoY
-46.8% QoQ
|
-40.98% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 0.4% in tier |
| Delinquency Rate ? |
1.63%
+9.4% QoQ
|
+0.74% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
69.32%
-18.5% YoY
-5.5% QoQ
|
-7.32% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
30.53%
+1.7% YoY
+3.3% QoQ
|
+8.51% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.98%
+1.4% QoQ
|
+0.34% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
16.26%
+25.5% YoY
+19.0% QoQ
|
+0.43% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.82%
+167.6% QoQ
|
+1.54% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.1% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.