BlastPoint's Banking Scorecard
Pavillion Bank
Designations: ✓ Community bank
Richardson, 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 +8.3% year over year ($64.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.26%.
- Efficiency ratio 72.49% vs a 119.40% peer average.
- Loan-to-deposit ratio 97.21% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pavillion Bank shows strong momentum with 6 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.04% above tier average
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 18.13% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.26% above tier average
- + Efficiency Ratio 46.90% 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 ? |
$78.4M
+7.5% YoY
+3.0% QoQ
|
+$16.0M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
68% |
| Total Loans ? |
$62.4M
+19.7% YoY
+5.1% QoQ
|
+$27.5M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 11.2% in tier |
| Total Deposits ? |
$64.2M
+8.3% YoY
+3.2% QoQ
|
+$12.6M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.26%
-26.6% YoY
+5.7% QoQ
|
+0.26% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
5.96%
-10.9% YoY
+2.3% QoQ
|
+2.04% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 2.8% in tier |
| Efficiency Ratio ? |
72.49%
+11.6% YoY
+2.7% QoQ
|
-46.90% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.21%
+10.6% YoY
+1.9% QoQ
|
+23.00% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.62%
-1.6% YoY
+12.6% QoQ
|
+18.13% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 7.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.69%
-8.1% YoY
-3.4% QoQ
|
-6.43% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.15%
+6.9% YoY
+80.2% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
41.6%
-0.7pp YoY +4.7pp QoQ |
+17.0pp | 24.6% | 29.2% | 22.2% | 92% |
| 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 |
6.8%
+1.1pp YoY -0.1pp QoQ |
-6.6pp | 13.4% | 14.8% | 12.5% | 32% |
| CRE |
49.2%
-8.1pp YoY +0.9pp QoQ |
+23.9pp | 25.2% | 48.4% | 41.4% | 91% |
| 1-4 Family |
44.4%
+7.1pp YoY -0.8pp QoQ |
+9.4pp | 35.0% | 25.8% | 31.3% | 67% |
| Consumer |
0.9%
-0.4pp YoY -0.1pp QoQ |
-6.8pp | 7.7% | 4.7% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.7%
-1.8pp YoY -0.7pp QoQ |
-18.0pp | 38.7% | 22.7% | 19.7% | 50% |
| Leverage Ratio |
15.5%
-0.6pp YoY -0.3pp QoQ |
-2.2pp | 17.7% | 12.6% | 12.6% | 72% |
| Total Capital Ratio |
21.9%
-1.8pp YoY -0.7pp QoQ |
-17.7pp | 39.7% | 23.8% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY -2 (-11.1%) QoQ |
+4 | 12 | 186 | 482 | 77% |
| Assets per Employee ($) |
$4.9M
+7.5% YoY +15.8% QoQ |
-$1.3M | $6.2M | $10.1M | $8.8M | 33% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
-2.6pp YoY +0.5pp QoQ |
+1.6pp | 6.4% | 13.2% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.0%
+0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 28% |
| Net Income ($, YTD) |
$480,000
-22.2% YoY — QoQ |
+$162K | $317,817 | $15.9M | $40.4M | 72% |
Get Full Access to Pavillion Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.