BlastPoint's Banking Scorecard

Atascosa Bank

under $100M Specialty: Other TX FDIC cert 24064

Designations: ✓ Community bank

Pleasanton, TX

537 banks in the under $100M peer group nationally 37 in TX

Atascosa Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.53% below tier average
- Net Interest Margin 0.98% below tier average
- Efficiency Ratio 0.65% above tier average
- Delinquency Rate 1.94% above tier average

Get updates when Atascosa Bank releases new data →

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	+$22.6M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	78%
Total Loans ?	$20.9M +4.9% YoY -3.6% QoQ	-$13.4M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	29%
Total Deposits ?	$74.7M -3.8% YoY -4.8% QoQ	+$22.9M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	82%
Return on Assets ?	0.33% -69.0% YoY -15.5% QoQ	-0.53%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	24%
Net Interest Margin ?	2.89% -4.8% YoY -10.6% QoQ	-0.98%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	Bottom 13.2% in tier
Efficiency Ratio ?	88.28% +51.6% YoY +59.6% QoQ	+0.65%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	22%
Delinquency Rate ?	3.31% -1.7% QoQ	+1.94%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	Bottom 10.6% in tier
Loan-to-Deposit Ratio ?	27.94% +9.1% YoY +1.2% QoQ	-36.17%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	Top 8.0% in tier
Non-Interest-Bearing Deposit Share ?	38.42% +0.5% YoY -6.0% QoQ	+14.63%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 10.1% in tier
Nonperforming Asset Ratio ?	1.08% +0.3% QoQ	+0.31%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	22%
Tier 1 Capital Ratio ?	14.38% +1.8% YoY +2.4% QoQ	-12.39%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.04% +14.6% YoY -72.0% QoQ	-0.63%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	37%

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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 537 peers in under $100M

Top Strengths (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 27.94%

Peer Median: 64.11%

#44 of 537 Top 8.0% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 38.42%

Peer Median: 23.79%

#55 of 537 Top 10.1% in under $100M

Total Deposits

size

Value: $74.72M

Peer Median: $51.83M

#99 of 537 Top 18.2% in under $100M

120

Total Assets

size

Value: $84.87M

Peer Median: $62.28M

#120 of 537 Top 22.2% in under $100M

Top Weaknesses (5 metrics)

463

Delinquency Rate

credit_quality

Value: 3.31%

Peer Median: 1.36%

#463 of 517 Bottom 10.6% in under $100M

467

Net Interest Margin

profitability

Value: 2.89%

Peer Median: 3.87%

#467 of 537 Bottom 13.2% in under $100M

420

Efficiency Ratio

profitability

Value: 88.28%

Peer Median: 87.63%

#420 of 537 Bottom 22.0% in under $100M

418

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.77%

#418 of 537 Bottom 22.3% in under $100M

411

Return on Assets

profitability

Value: 0.33%

Peer Median: 0.86%

#411 of 537 Bottom 23.6% in under $100M