BlastPoint's Banking Scorecard
The Bank of San Jacinto County, Coldspring, Texas
Designations: ✓ Community bank
Coldspring, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -7.8% year over year ($35.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.61%.
- Efficiency ratio 68.18% vs a 119.40% peer average.
- Loan-to-deposit ratio 34.46% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of San Jacinto County, Coldspring, Texas demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 44.01% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.62% above tier average
- + Net Interest Margin 0.93% above tier average
- + Efficiency Ratio 51.21% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.0M
-5.3% YoY
-6.0% QoQ
|
-$20.5M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$12.2M
-6.4% YoY
-3.1% QoQ
|
-$22.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.2% in tier |
| Total Deposits ? |
$35.3M
-7.8% YoY
-7.3% QoQ
|
-$16.3M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.61%
-18.8% YoY
+8.4% QoQ
|
+0.62% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.85%
-6.1% YoY
+3.5% QoQ
|
+0.93% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
68.18%
+5.6% YoY
-1.4% QoQ
|
-51.21% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
34.46%
+1.5% YoY
+4.6% QoQ
|
-39.75% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
67.50%
+2.5% YoY
-3.0% QoQ
|
+44.01% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.77%
+9.8% YoY
+3.3% QoQ
|
-9.35% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.26%
-31.5% YoY
+147.4% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
67.5%
+1.6pp YoY -2.1pp QoQ |
+42.9pp | 24.6% | 29.2% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.9%
+0.9pp YoY +0.2pp QoQ |
-6.5pp | 13.4% | 14.8% | 12.5% | 33% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
72.5%
-5.7pp YoY -2.1pp QoQ |
+37.5pp | 35.0% | 25.8% | 31.3% | 88% |
| Consumer |
6.4%
-1.5pp YoY +0.2pp QoQ |
-1.2pp | 7.7% | 4.7% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
17.8%
+1.6pp YoY +0.6pp QoQ |
+0.1pp | 17.7% | 12.6% | 12.6% | 80% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
-1 (-7.7%) YoY 0 QoQ |
-0 | 12 | 186 | 482 | 56% |
| Assets per Employee ($) |
$3.5M
+2.6% YoY -6.0% QoQ |
-$2.7M | $6.2M | $10.1M | $8.8M | 13% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
-5.0pp YoY +0.6pp QoQ |
+4.2pp | 6.4% | 13.2% | 11.6% | 66% |
| Cost of Funds (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.4% | 1.6% | 1.7% | 2% |
| Net Income ($, YTD) |
$350,000
-21.7% YoY — QoQ |
+$32K | $317,817 | $15.9M | $40.4M | 58% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.