BlastPoint's Banking Scorecard
Benchmark Bank
Designations: ✓ Community bank
Plano, TX
8 branches across TX
Benchmark Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7.7% in tier
- + Deposit Franchise: Top 50.0% in tier
- + Non-Interest Income / Assets 0.14% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.8% in tier
- - Return on Assets 1.36% below tier average
- - Efficiency Ratio 4.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+30.2% YoY
+3.0% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$1.0B
+13.8% YoY
+1.6% QoQ
|
-$938.4M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$1.5B
+33.5% YoY
+3.1% QoQ
|
-$886.7M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.01%
-99.6% YoY
-99.5% QoQ
|
-1.36% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.4% in tier |
| Net Interest Margin ? |
4.14%
+0.5% YoY
-1.8% QoQ
|
+0.32% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
65.38%
-11.9% YoY
-7.4% QoQ
|
+4.31% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.19%
+104.2% YoY
-75.7% QoQ
|
-0.70% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
70.47%
-14.7% YoY
-1.5% QoQ
|
-13.74% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
38.07%
+4.8% YoY
+3.3% QoQ
|
+16.78% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+78.5% YoY
-76.0% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
10.52%
-16.1% YoY
-2.3% QoQ
|
-4.64% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.6% in tier |
| Non-Interest Income / Assets ? |
0.40%
-4.4% YoY
-71.4% QoQ
|
+0.14% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.7% 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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.