BlastPoint's Banking Scorecard

ValueBank Texas

$100M-$1B Specialty: Commercial TX FDIC cert 19700

Corpus Christi, TX

9 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

ValueBank Texas has 3 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

+ Deposit Franchise: Top 37.9% in tier
+ Credit Quality Leader: Top 38.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 17.4% in tier
- Cost Spiral: Bottom 43.6% in tier

Get updates when ValueBank Texas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$303.0M +0.9% YoY +0.2% QoQ	-$83.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$160.4M +6.6% YoY +1.2% QoQ	-$95.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$262.6M +0.7% YoY -0.0% QoQ	-$65.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.16% -20.1% YoY -26.0% QoQ	-0.11%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	4.57% -7.0% YoY -8.8% QoQ	+0.64%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	71.48% +7.6% YoY +10.4% QoQ	+6.19%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	29%
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 ?	61.07% +5.9% YoY +1.3% QoQ	-15.57%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	39.93% -3.9% YoY -2.1% QoQ	+17.91%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 4.7% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	12.63% -0.8% YoY +4.9% QoQ	-3.20%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.21% -3.9% YoY -77.4% QoQ	-0.07%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 12.1% 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 (2)

Deposit Franchise

growth

#104 of 272 • Top 37.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.93%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.57%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#255 of 664 • Top 38.2% 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 (2)

Margin Compression

decline

#54 of 305 • Bottom 17.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.16%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Cost Spiral

risk

#56 of 126 • Bottom 43.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.48%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (6 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

127

Non-Interest-Bearing Deposit Share

funding

Value: 39.93%

Peer Median: 22.02%

#127 of 2664 Top 4.7% in $100M-$1B

323

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#323 of 2664 Top 12.1% in $100M-$1B

424

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.93%

#424 of 2664 Top 15.9% in $100M-$1B

535

Loan-to-Deposit Ratio

liquidity

Value: 61.07%

Peer Median: 76.64%

#535 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available