BlastPoint's Banking Scorecard

TexasBank

$1B-$10B Specialty: Commercial TX FDIC cert 19559

Designations: ✓ Community bank

Fort Worth, TX

20 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

TexasBank has 5 strengths but faces 2 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

+ Profitability Leader: Top 5.0% in tier
+ Revenue Diversifier: Top 46.6% in tier
+ Net Interest Margin 0.93% above tier average
+ Efficiency Ratio 9.32% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 24.1% in tier
- Capital Constraint: Bottom 91.9% in tier

Get updates when TexasBank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.5B -4.3% YoY +3.4% QoQ	-$346.1M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$2.0B +11.1% YoY +4.8% QoQ	+$80.1M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$2.0B -4.3% YoY +6.3% QoQ	-$324.5M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	2.31% +65.9% YoY +29.0% QoQ	+0.95%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 5.3% in tier
Net Interest Margin ?	4.74% +26.1% YoY +11.2% QoQ	+0.93%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 7.7% in tier
Efficiency Ratio ?	51.74% -19.1% YoY -12.1% QoQ	-9.32%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.48% +73.9% YoY -73.5% QoQ	-0.41%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	101.29% +16.0% YoY -1.4% QoQ	+17.09%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 10.9% in tier
Non-Interest-Bearing Deposit Share ?	18.61% +22.4% YoY +2.9% QoQ	-2.67%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.70% +69.1% YoY -60.3% QoQ	+0.02%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	17.59% -3.4% YoY -1.8% QoQ	+2.43%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 13.2% in tier
Non-Interest Income / Assets ?	0.22% +114.4% YoY -55.9% QoQ	-0.04%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	75%

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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 (2)

Profitability Leader

growth

#12 of 221 • Top 5.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.31%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#104 of 221 • Top 46.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.22%

(Tier: 0.26%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.31%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Overhang

risk

#43 of 174 • Bottom 24.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.59%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 101.29%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Capital Constraint

risk

#35 of 37 • Bottom 91.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 101.29%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 17.59%

(Tier: 15.16%, National: 17.06%)

better than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.37%

#48 of 884 Top 5.3% in $1B-$10B

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.82%

#69 of 884 Top 7.7% in $1B-$10B

118

Tier 1 Capital Ratio

capital

Value: 17.59%

Peer Median: 15.16%

#118 of 884 Top 13.2% in $1B-$10B

220

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#220 of 884 Top 24.8% in $1B-$10B

Top Weaknesses (1 metrics)

789

Loan-to-Deposit Ratio

liquidity

Value: 101.29%

Peer Median: 84.20%

#789 of 884 Bottom 10.9% in $1B-$10B