BlastPoint's Banking Scorecard
Benchmark Bank
Designations: ✓ Community bank
Plano, TX
8 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 +31.6% year over year ($1.5B on the books).
- Delinquency rate 0.18%.
- Return on assets 0.83%.
- Efficiency ratio 65.48% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.03% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Benchmark Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24.4% in tier
- + Revenue Diversifier: Top 42.8% in tier
- + Deposit Franchise: Top 47.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 14.1% in tier
- - Efficiency Ratio 5.75% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+30.3% YoY
+4.0% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$1.1B
+20.3% YoY
+5.0% QoQ
|
-$885.9M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$1.5B
+31.6% YoY
+2.7% QoQ
|
-$823.2M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.83%
-46.0% YoY
|
-0.57% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.17%
-2.6% YoY
+0.7% QoQ
|
+0.30% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
65.48%
-10.9% YoY
+0.2% QoQ
|
+5.75% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.18%
-5.1% YoY
-6.2% QoQ
|
-0.69% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
72.03%
-8.6% YoY
+2.2% QoQ
|
-13.01% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
39.35%
+9.9% YoY
+3.4% QoQ
|
+18.07% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 4.9% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-12.3% YoY
-5.4% QoQ
|
-0.56% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
11.89%
-5.8% YoY
+13.0% QoQ
|
-2.95% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.83%
-1.0% YoY
+109.5% QoQ
|
+0.30% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 8.4% 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 |
39.3%
+3.5pp YoY +1.3pp QoQ |
+18.0pp | 21.4% | 29.2% | 22.2% | 95% |
| 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 |
14.6%
-0.8pp YoY -1.8pp QoQ |
+0.6pp | 14.0% | 14.8% | 12.5% | 66% |
| CRE |
43.6%
-2.1pp YoY +0.9pp QoQ |
-6.5pp | 50.0% | 48.4% | 41.4% | 32% |
| 1-4 Family |
21.2%
-2.6pp YoY -0.5pp QoQ |
-5.2pp | 26.4% | 25.8% | 31.3% | 44% |
| Consumer |
2.4%
-0.1pp YoY 0.0pp QoQ |
-2.4pp | 4.7% | 4.7% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
-0.7pp YoY +1.4pp QoQ |
-3.7pp | 15.6% | 22.7% | 19.7% | 21% |
| Leverage Ratio |
8.5%
-0.8pp YoY +1.1pp QoQ |
-2.8pp | 11.3% | 12.6% | 12.6% | 5% |
| Total Capital Ratio |
13.1%
-0.6pp YoY +1.4pp QoQ |
-3.6pp | 16.7% | 23.8% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
182
-3 (-1.6%) YoY +5 (+2.8%) QoQ |
-132 | 313 | 186 | 482 | 34% |
| Assets per Employee ($) |
$9.1M
+32.5% YoY +1.2% QoQ |
-$1.4M | $10.5M | $10.1M | $8.8M | 54% |
| Branch Count |
8
+1 (+14.3%) YoY 0 QoQ |
-12 | 20 | 12 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 1.0% | 1.0% | 19% |
| Allowance Coverage |
6.24x
+8.8% YoY +12.0% QoQ |
-12.47x | 18.71x | 18.82x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
1.1%
+1.1pp YoY -1.2pp QoQ |
+0.9pp | 0.3% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
-5.8pp YoY +10.5pp QoQ |
-2.0pp | 12.6% | 13.2% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.5%
-0.5pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$6.6M
-30.3% YoY — QoQ |
-$12.7M | $19.2M | $15.9M | $40.4M | 20% |
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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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.