BlastPoint's Banking Scorecard
Atascosa Bank
Designations: ✓ Community bank
Pleasanton, 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 -9.0% year over year ($71.5M on the books).
- Delinquency rate 2.94%.
- Return on assets 0.60%.
- Efficiency ratio 76.51% vs a 119.40% peer average.
- Loan-to-deposit ratio 28.59% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Atascosa Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 42.89% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Net Interest Margin 0.99% below tier average
- - Delinquency Rate 1.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.7M
-7.0% YoY
-3.8% QoQ
|
+$19.2M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$20.4M
-11.0% YoY
-2.1% QoQ
|
-$14.5M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$71.5M
-9.0% YoY
-4.3% QoQ
|
+$19.9M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
0.60%
-47.9% YoY
+83.1% QoQ
|
-0.40% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
2.92%
-6.6% YoY
+1.0% QoQ
|
-0.99% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio ? |
76.51%
+36.4% YoY
-13.3% QoQ
|
-42.89% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
2.94%
-42.9% YoY
-11.0% QoQ
|
+1.46% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.6% in tier |
| Loan-to-Deposit Ratio ? |
28.59%
-2.2% YoY
+2.3% QoQ
|
-45.62% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 8.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.50%
-6.9% YoY
-2.4% QoQ
|
+14.01% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 10.6% in tier |
| Nonperforming Asset Ratio ? |
1.01%
-24.8% YoY
-6.2% QoQ
|
+0.18% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.25%
+6.3% YoY
+6.0% QoQ
|
-11.88% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.08%
-1.2% YoY
+90.9% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
37.5%
-2.8pp YoY -0.9pp QoQ |
+12.9pp | 24.6% | 29.2% | 22.2% | 89% |
| 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 |
28.1%
+5.1pp YoY -3.8pp QoQ |
+14.7pp | 13.4% | 14.8% | 12.5% | 88% |
| CRE |
28.3%
+1.3pp YoY +1.7pp QoQ |
+3.1pp | 25.2% | 48.4% | 41.4% | 68% |
| 1-4 Family |
11.5%
-8.2pp YoY +0.1pp QoQ |
-23.4pp | 35.0% | 25.8% | 31.3% | 24% |
| Consumer |
7.6%
-0.6pp YoY -0.3pp QoQ |
0.0pp | 7.7% | 4.7% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
15.2%
+0.9pp YoY +0.9pp QoQ |
-2.4pp | 17.7% | 12.6% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 186 | 482 | 43% |
| Assets per Employee ($) |
$8.2M
+2.3% YoY -3.8% QoQ |
+$2.0M | $6.2M | $10.1M | $8.8M | 82% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.9%
-0.4pp QoQ |
+1.2pp | 1.7% | 1.0% | 1.0% | 86% |
| Allowance Coverage |
0.59x
+198.2% YoY +31.8% QoQ |
-5.82x | 6.41x | 18.82x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | -0.4% | -0.6pp | 0.2% | 0.1% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
-6.5pp YoY +2.3pp QoQ |
-1.3pp | 6.4% | 13.2% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$255,000
-49.2% YoY — QoQ |
-$63K | $317,817 | $15.9M | $40.4M | 45% |
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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.