BlastPoint's Banking Scorecard

The Commercial Bank

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

Mason, TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 38.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.16% above tier average
+ Efficiency Ratio 13.92% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 13.7% in tier
- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.29% below tier average

Get updates when The Commercial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$114.2M +2.1% YoY +2.4% QoQ	-$271.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 4.2% in tier
Total Loans ?	$44.1M -0.4% YoY -0.9% QoQ	-$211.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 2.0% in tier
Total Deposits ?	$99.3M -0.2% YoY +3.1% QoQ	-$228.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 5.5% in tier
Return on Assets ?	1.42% +3.3% YoY -7.6% QoQ	+0.16%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.65% +8.4% YoY +1.4% QoQ	-0.29%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	51.37% +0.6% YoY +1.0% QoQ	-13.92%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	44.36% -0.1% YoY -3.8% QoQ	-32.28%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.9% in tier
Non-Interest-Bearing Deposit Share ?	19.33% -1.9% YoY -18.8% QoQ	-2.69%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.69% -4.6% YoY -6.2% QoQ	-6.14%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 6.3% in tier
Non-Interest Income / Assets ?	0.03% -4.8% YoY -76.1% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 8.4% in tier

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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

#253 of 664 • Top 38.0% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#92 of 666 • Bottom 13.7% 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: 9.69%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

159

Loan-to-Deposit Ratio

liquidity

Value: 44.36%

Peer Median: 76.64%

#159 of 2664 Top 5.9% in $100M-$1B

490

Efficiency Ratio

profitability

Value: 51.37%

Peer Median: 65.29%

#490 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (5 metrics)

2612

Total Loans

size

Value: $44.06M

Peer Median: $255.72M

#2612 of 2664 Bottom 2.0% in $100M-$1B

2552

Total Assets

size

Value: $114.17M

Peer Median: $386.08M

#2552 of 2664 Bottom 4.2% in $100M-$1B

2518

Total Deposits

size

Value: $99.32M

Peer Median: $327.97M

#2518 of 2664 Bottom 5.5% in $100M-$1B

2498

Tier 1 Capital Ratio

capital

Value: 9.69%

Peer Median: 15.83%

#2498 of 2664 Bottom 6.3% in $100M-$1B

2442

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2442 of 2664 Bottom 8.4% in $100M-$1B