BlastPoint's Banking Scorecard
Texas Bank
Henderson, TX
13 branches across TX
Texas Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 2.32% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.2M
+11.2% YoY
+1.9% QoQ
|
+$567.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 1.5% in tier |
| Total Loans ? |
$677.8M
+4.9% YoY
-1.1% QoQ
|
+$422.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 3.2% in tier |
| Total Deposits ? |
$825.3M
+11.5% YoY
+1.8% QoQ
|
+$497.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 1.6% in tier |
| Return on Assets ? |
1.20%
+33.3% YoY
+4.4% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
4.29%
+7.4% YoY
+0.2% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
62.96%
-15.8% YoY
-10.4% QoQ
|
-2.32% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
0.36%
-87.4% YoY
+28.2% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
82.13%
-5.8% YoY
-2.8% QoQ
|
+5.49% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.10%
-12.3% YoY
-0.1% QoQ
|
-1.92% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.28%
-87.2% YoY
+33.8% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
10.57%
+0.4% YoY
+2.8% QoQ
|
-5.26% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.21%
+48.7% YoY
-66.8% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 12.2% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.