BlastPoint's Banking Scorecard
Lovelady State Bank
Designations: ✓ Community bank
Lovelady, TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -5.9% year over year ($44.9M on the books).
- Delinquency rate 1.44%.
- Return on assets 1.18%.
- Efficiency ratio 75.48% vs a 119.40% peer average.
- Loan-to-deposit ratio 51.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Lovelady State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 43.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.5M
-4.4% YoY
-2.2% QoQ
|
-$9.9M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$23.2M
+0.2% YoY
-0.0% QoQ
|
-$11.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$44.9M
-5.9% YoY
-2.9% QoQ
|
-$6.8M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.18%
-1.6% YoY
+8.7% QoQ
|
+0.18% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
4.67%
+1.5% YoY
+7.4% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
75.48%
+3.1% YoY
-4.9% QoQ
|
-43.91% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
1.44%
+77.3% YoY
+48.5% QoQ
|
-0.04% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
51.77%
+6.4% YoY
+2.9% QoQ
|
-22.44% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
33.32%
-11.1% YoY
+5.7% QoQ
|
+9.83% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.11%
+39.5% YoY
+25.7% QoQ
|
+0.27% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
23.40%
+5.4% YoY
+1.6% QoQ
|
-3.72% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.42%
+54.7% YoY
+14.8% QoQ
|
-0.96% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 11.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.3%
-4.2pp YoY +1.8pp QoQ |
+8.7pp | 24.6% | 29.2% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.5%
-1.4pp YoY -0.4pp QoQ |
+8.1pp | 13.4% | 14.8% | 12.5% | 80% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
32.8%
+1.1pp YoY +0.9pp QoQ |
-2.2pp | 35.0% | 25.8% | 31.3% | 53% |
| Consumer |
22.4%
-0.8pp YoY -0.3pp QoQ |
+14.7pp | 7.7% | 4.7% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.4%
+1.2pp YoY +0.4pp QoQ |
-15.3pp | 38.7% | 22.7% | 19.7% | 58% |
| Leverage Ratio |
12.8%
+0.9pp YoY +0.6pp QoQ |
-4.9pp | 17.7% | 12.6% | 12.6% | 50% |
| Total Capital Ratio |
24.6%
+1.2pp YoY +0.4pp QoQ |
-15.1pp | 39.7% | 23.8% | 20.8% | 58% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY -1 (-8.3%) QoQ |
-1 | 12 | 186 | 482 | 50% |
| Assets per Employee ($) |
$4.8M
-4.4% YoY +6.7% QoQ |
-$1.4M | $6.2M | $10.1M | $8.8M | 32% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.7pp QoQ |
-0.1pp | 1.0% | 0.3% | 0.4% | 69% |
| Nonaccrual |
0.6%
-0.3pp YoY -0.3pp QoQ |
-1.2pp | 1.7% | 1.0% | 1.0% | 43% |
| Allowance Coverage |
1.01x
-43.9% YoY -32.6% QoQ |
-5.40x | 6.41x | 18.82x | 20.23x | 43% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
-0.8pp YoY +0.6pp QoQ |
+3.4pp | 6.4% | 13.2% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.6% | 1.7% | 34% |
| Net Income ($, YTD) |
$318,000
-2.5% YoY — QoQ |
+$183 | $317,817 | $15.9M | $40.4M | 54% |
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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.