BlastPoint's Banking Scorecard
Inwood National Bank
Designations: ✓ Community bank
Dallas, TX
12 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits -0.4% year over year ($3.7B on the books).
- Delinquency rate 0.37%.
- Return on assets 1.57%.
- Efficiency ratio 38.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 67.15% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Inwood National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.56% below tier average
- + ROA 0.18% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier average
- - Net Interest Margin 1.00% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+0.6% YoY
-4.0% QoQ
|
+$1.5B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$2.5B
+1.7% YoY
-0.3% QoQ
|
+$496.8M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$3.7B
-0.4% YoY
-4.9% QoQ
|
+$1.3B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.57%
+35.0% YoY
+3.9% QoQ
|
+0.18% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
2.88%
+30.2% YoY
+4.8% QoQ
|
-1.00% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio ? |
38.17%
-21.9% YoY
-0.7% QoQ
|
-21.56% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 5.8% in tier |
| Delinquency Rate ? |
0.37%
-51.2% YoY
-25.2% QoQ
|
-0.50% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
67.15%
+2.1% YoY
+4.9% QoQ
|
-17.88% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.71%
+2.6% YoY
+2.5% QoQ
|
+9.44% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-50.7% YoY
-22.2% QoQ
|
-0.46% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
16.18%
+7.6% YoY
+1.6% QoQ
|
+1.34% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.07%
-3.2% YoY
+113.5% QoQ
|
-0.46% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.7% in tier |
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 |
30.7%
+0.8pp YoY +0.7pp QoQ |
+9.3pp | 21.4% | 29.2% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
4.7%
+0.6pp YoY +0.3pp QoQ |
-9.3pp | 14.0% | 14.8% | 12.5% | 17% |
| CRE |
80.9%
-1.4pp YoY -0.8pp QoQ |
+30.9pp | 50.0% | 48.4% | 41.4% | 96% |
| 1-4 Family |
14.6%
+0.9pp YoY +0.5pp QoQ |
-11.8pp | 26.4% | 25.8% | 31.3% | 29% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 4.7% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
+1.1pp YoY +0.3pp QoQ |
+0.6pp | 15.6% | 22.7% | 19.7% | 78% |
| Leverage Ratio |
10.8%
+0.6pp YoY +0.3pp QoQ |
-0.5pp | 11.3% | 12.6% | 12.6% | 56% |
| Total Capital Ratio |
17.0%
+1.1pp YoY +0.3pp QoQ |
+0.3pp | 16.7% | 23.8% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
204
0 YoY 0 QoQ |
-110 | 313 | 186 | 482 | 42% |
| Assets per Employee ($) |
$20.9M
+0.6% YoY -4.0% QoQ |
+$10.4M | $10.5M | $10.1M | $8.8M | 95% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 12 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 1.0% | 1.0% | 37% |
| Allowance Coverage |
2.36x
+101.4% YoY +33.1% QoQ |
-16.35x | 18.71x | 18.82x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.4%
+0.1pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
+3.1pp YoY +0.2pp QoQ |
+1.5pp | 12.6% | 13.2% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$34.6M
+36.2% YoY — QoQ |
+$15.3M | $19.2M | $15.9M | $40.4M | 86% |
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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.