BlastPoint's Banking Scorecard

Round Top State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 19358

Round Top, TX

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +5.6% year over year ($870.3M on the books).
Delinquency rate 0.36%.
Return on assets 1.26%.
Efficiency ratio 50.10% vs a 64.48% peer average.
Loan-to-deposit ratio 68.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Round Top State Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 14.38% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 31.3% in tier
- Credit Quality Pressure: Bottom 45.2% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.86% below tier average

Get updates when Round Top State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$974.1M +6.5% YoY -0.1% QoQ	+$587.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 1.0% in tier
Total Loans ?	$594.2M +4.1% YoY -0.4% QoQ	+$335.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 6.3% in tier
Total Deposits ?	$870.3M +5.6% YoY -0.4% QoQ	+$543.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 0.2% in tier
Return on Assets ?	1.26% +16.4% YoY +4.5% QoQ	-0.06%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	3.12% +8.8% YoY +1.6% QoQ	-0.86%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 13.4% in tier
Efficiency Ratio ?	50.10% -9.3% YoY -1.6% QoQ	-14.38%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.36% +476.8% QoQ	-0.56%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	68.28% -1.5% YoY -0.0% QoQ	-9.67%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	23.53% -1.5% YoY +0.8% QoQ	+1.50%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.22% +475.1% QoQ	-0.45%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	11.94% +0.6% YoY +0.1% QoQ	-3.97%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.09% -10.8% YoY +96.7% QoQ	-0.48%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 14.8% in tier

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	23.5% -0.4pp YoY +0.2pp QoQ	+1.4pp	22.1%	29.2%	22.2%	61%
Brokered Deposits	n/a	n/a	7.9%	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	3.8% +0.5pp YoY +0.2pp QoQ	-7.8pp	11.6%	14.8%	12.5%	13%
CRE	43.2% +0.9pp YoY +0.5pp QoQ	+3.6pp	39.5%	48.4%	41.4%	58%
1-4 Family	37.4% -1.2pp YoY -0.4pp QoQ	+4.8pp	32.6%	25.8%	31.3%	66%
Consumer	2.9% +0.1pp YoY 0.0pp QoQ	-1.2pp	4.1%	4.7%	5.0%	59%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	11.9% +0.1pp YoY 0.0pp QoQ	-0.2pp	12.2%	12.6%	12.6%	64%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	82 +4 (+5.1%) YoY +2 (+2.5%) QoQ	+23	58	186	482	78%
Assets per Employee ($)	$11.9M +1.3% YoY -2.6% QoQ	+$4.4M	$7.5M	$10.1M	$8.8M	92%
Branch Count	7 0 YoY 0 QoQ	+2	4	12	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.3%	0.4%	38%
Nonaccrual	0.3% +0.3pp QoQ	-0.6pp	0.9%	1.0%	1.0%	40%
Allowance Coverage	2.48x -99.9% YoY -82.6% QoQ	-21.67x	24.15x	18.82x	20.23x	54%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.4% +0.9pp YoY +0.4pp QoQ	+0.2pp	12.2%	13.2%	11.6%	52%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	64%
Net Income ($, YTD)	$6.1M +25.4% YoY — QoQ	+$3.5M	$2.6M	$15.9M	$40.4M	92%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#294 of 936 • Bottom 31.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#569 of 1256 • Bottom 45.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.36%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Deposits

size

Value: $870.29M

Peer Median: $326.73M

#6 of 2643 Top 0.2% in $100M-$1B

Total Assets

size

Value: $974.06M

Peer Median: $386.57M

#28 of 2643 Top 1.0% in $100M-$1B

168

Total Loans

size

Value: $594.25M

Peer Median: $258.35M

#168 of 2643 Top 6.3% in $100M-$1B

452

Efficiency Ratio

profitability

Value: 50.10%

Peer Median: 64.48%

#452 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (2 metrics)

2291

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.99%

#2291 of 2643 Bottom 13.4% in $100M-$1B

2254

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2254 of 2643 Bottom 14.8% in $100M-$1B