BlastPoint's Banking Scorecard

The Commercial Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 19595

Mason, 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 -1.3% year over year ($99.1M on the books).
Delinquency rate 0.00%.
Return on assets 1.56%.
Efficiency ratio 51.18% vs a 64.48% peer average.
Loan-to-deposit ratio 44.50% 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) →

The Commercial Bank has 4 strengths but faces 3 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

+ Credit Quality Leader: Top 35.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.24% above tier average
+ Efficiency Ratio 13.30% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 21.5% in tier
- Deposit Outflow: Bottom 29.3% in tier
- Net Interest Margin 0.26% below tier average

Get updates when The Commercial 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 ?	$114.6M +2.4% YoY +0.4% QoQ	-$271.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 4.1% in tier
Total Loans ?	$44.1M -0.8% YoY +0.1% QoQ	-$214.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 2.0% in tier
Total Deposits ?	$99.1M -1.3% YoY -0.2% QoQ	-$227.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 5.3% in tier
Return on Assets ?	1.56% +3.1% YoY +9.4% QoQ	+0.24%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.72% +7.5% YoY +2.1% QoQ	-0.26%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	51.18% +5.4% YoY -0.4% QoQ	-13.30%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	44.50% +0.4% YoY +0.3% QoQ	-33.46%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.6% in tier
Non-Interest-Bearing Deposit Share ?	22.07% -7.5% YoY +14.2% QoQ	+0.04%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.95% +0.8% YoY +2.7% QoQ	-5.96%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 9.8% in tier
Non-Interest Income / Assets ?	0.08% +23.5% YoY +159.0% QoQ	-0.49%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 12.8% 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	22.1% -1.8pp YoY +2.7pp QoQ	-0.1pp	22.1%	29.2%	22.2%	55%
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	5.2% -0.3pp YoY -0.2pp QoQ	-6.4pp	11.6%	14.8%	12.5%	21%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	50.6% -5.3pp YoY -0.3pp QoQ	+18.0pp	32.6%	25.8%	31.3%	83%
Consumer	3.3% +0.7pp YoY -0.1pp QoQ	-0.8pp	4.1%	4.7%	5.0%	63%

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	9.9% +0.1pp YoY +0.3pp QoQ	-2.2pp	12.2%	12.6%	12.6%	30%
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	12 +1 (+9.1%) YoY +2 (+20.0%) QoQ	-47	58	186	482	2%
Assets per Employee ($)	$9.6M -6.2% YoY -16.3% QoQ	+$2.0M	$7.5M	$10.1M	$8.8M	83%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
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	17.4% -1.0pp YoY +1.5pp QoQ	+5.2pp	12.2%	13.2%	11.6%	79%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	52%
Net Income ($, YTD)	$884,000 +6.5% YoY — QoQ	-$1.7M	$2.6M	$15.9M	$40.4M	23%

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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 (1)

Credit Quality Leader

growth

#232 of 659 • Top 35.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#143 of 661 • Bottom 21.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.95%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Outflow

decline

#158 of 535 • Bottom 29.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

150

Loan-to-Deposit Ratio

liquidity

Value: 44.50%

Peer Median: 77.95%

#150 of 2643 Top 5.6% in $100M-$1B

513

Efficiency Ratio

profitability

Value: 51.18%

Peer Median: 64.48%

#513 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (5 metrics)

2592

Total Loans

size

Value: $44.09M

Peer Median: $258.35M

#2592 of 2643 Bottom 2.0% in $100M-$1B

2536

Total Assets

size

Value: $114.62M

Peer Median: $386.57M

#2536 of 2643 Bottom 4.1% in $100M-$1B

2505

Total Deposits

size

Value: $99.08M

Peer Median: $326.73M

#2505 of 2643 Bottom 5.3% in $100M-$1B

2386

Tier 1 Capital Ratio

capital

Value: 9.95%

Peer Median: 15.91%

#2386 of 2643 Bottom 9.8% in $100M-$1B

2307

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2307 of 2643 Bottom 12.8% in $100M-$1B