BlastPoint's Banking Scorecard

Texas Exchange Bank

$1B-$10B Specialty: Other TX FDIC cert 20099

Crowley, TX

2 branches across TX

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

Texas Exchange Bank has 3 strengths but faces 5 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

+ Revenue Diversifier: Top 21.3% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.3% in tier
- Deposit Outflow: Bottom 9.2% in tier
- Margin Compression: Bottom 52.4% in tier
- Net Interest Margin 2.24% below tier average
- Non-Interest-Bearing Deposit Share 20.53% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$4.3B +28.1% YoY -5.1% QoQ	+$1.5B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$678.1M -30.3% YoY -28.0% QoQ	-$1.3B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 7.5% in tier
Total Deposits ?	$2.6B -5.8% YoY -0.9% QoQ	+$238.9M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.39% -36.0% YoY +80.0% QoQ	+0.03%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	1.58% -47.4% YoY -43.5% QoQ	-2.24%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 1.2% in tier
Efficiency Ratio ?	83.62% +21.8% YoY +9.7% QoQ	+22.56%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 5.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	26.26% -26.0% YoY -27.4% QoQ	-57.95%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 1.8% in tier
Non-Interest-Bearing Deposit Share ?	0.76% -15.3% YoY -15.1% QoQ	-20.53%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 1.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	30.64% +18.6% YoY +21.4% QoQ	+15.48%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 2.1% in tier
Non-Interest Income / Assets ?	1.05% +10.9% YoY -60.9% QoQ	+0.80%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 2.8% 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)

Revenue Diversifier

growth

#48 of 221 • Top 21.3% 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: 1.05%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.39%

(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

Concerns (3)

Efficiency Drag

risk

#2 of 74 • Bottom 1.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.62%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

Deposit Outflow

decline

#13 of 130 • Bottom 9.2% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Margin Compression

decline

#45 of 84 • Bottom 52.4% 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: 1.39%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 26.26%

Peer Median: 84.20%

#17 of 884 Top 1.8% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 30.64%

Peer Median: 15.16%

#20 of 884 Top 2.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.05%

Peer Median: 0.26%

#26 of 884 Top 2.8% in $1B-$10B

162

Total Assets

size

Value: $4.27B

Peer Median: $2.82B

#162 of 884 Top 18.2% in $1B-$10B

Top Weaknesses (4 metrics)

874

Non-Interest-Bearing Deposit Share

funding

Value: 0.76%

Peer Median: 21.29%

#874 of 884 Bottom 1.2% in $1B-$10B

874

Net Interest Margin

profitability

Value: 1.58%

Peer Median: 3.82%

#874 of 884 Bottom 1.2% in $1B-$10B

835

Efficiency Ratio

profitability

Value: 83.62%

Peer Median: 61.06%

#835 of 884 Bottom 5.7% in $1B-$10B

819

Total Loans

size

Value: $678.07M

Peer Median: $1.96B

#819 of 884 Bottom 7.5% in $1B-$10B