BlastPoint's Banking Scorecard
Atascosa Bank
Designations: ✓ Community bank
Pleasanton, TX
Atascosa Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.70% above tier average
- + Efficiency Ratio 0.06% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Net Interest Margin 0.97% below tier average
- - Delinquency Rate 1.93% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.9M
-2.2% YoY
-4.3% QoQ
|
+$22.7M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$20.9M
+4.9% YoY
-3.6% QoQ
|
-$13.4M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$74.7M
-3.8% YoY
-4.8% QoQ
|
+$23.0M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
0.33%
-69.0% YoY
-15.5% QoQ
|
-0.51% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
2.89%
-4.8% YoY
-10.6% QoQ
|
-0.97% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.7% in tier |
| Efficiency Ratio ? |
88.28%
+51.6% YoY
+59.6% QoQ
|
-0.06% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
3.31%
-1.7% QoQ
|
+1.93% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.9% in tier |
| Loan-to-Deposit Ratio ? |
27.94%
+9.1% YoY
+1.2% QoQ
|
-36.28% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.42%
+0.5% YoY
-6.0% QoQ
|
+14.70% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.0% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+0.3% QoQ
|
+0.29% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.38%
+1.8% YoY
+2.4% QoQ
|
-12.30% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.04%
+14.6% YoY
-72.0% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
37% |
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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.