BlastPoint's Banking Scorecard

Lovelady State Bank

under $100M Specialty: Other TX FDIC cert 21807

Designations: ✓ Community bank

Lovelady, TX

541 banks in the under $100M peer group nationally 38 in TX

Lovelady State Bank demonstrates 5 strengths

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

+ Non-Interest Income / Assets 0.30% below tier average
+ ROA 0.25% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 8.98% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$53.7M -3.6% YoY -2.8% QoQ	-$8.5M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$23.2M -0.0% YoY -2.1% QoQ	-$11.0M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$46.2M -4.8% YoY -3.5% QoQ	-$5.5M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.09% -29.2% YoY -17.0% QoQ	+0.25%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	4.35% -4.2% YoY -7.9% QoQ	+0.49%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	79.36% +19.7% YoY +11.9% QoQ	-8.98%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.97% +37.2% YoY +30.5% QoQ	-0.40%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	50.30% +5.1% YoY +1.5% QoQ	-13.91%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	31.53% -10.3% YoY -4.0% QoQ	+7.81%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.88% +19.0% YoY +14.8% QoQ	+0.10%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	23.03% +4.4% YoY +5.3% QoQ	-3.66%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.36% +177.0% YoY -35.0% QoQ	-0.30%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 6.3% 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.67%

#35 of 541 Top 6.3% in under $100M

127

Non-Interest-Bearing Deposit Share

funding

Value: 31.53%

Peer Median: 23.71%

#127 of 541 Top 23.3% in under $100M

129

Tier 1 Capital Ratio

capital

Value: 23.03%

Peer Median: 26.68%

#129 of 541 Top 23.7% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available