BlastPoint's Banking Scorecard
BOC Bank
Mclean, TX
4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +3.6% year over year ($176.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.99%.
- Efficiency ratio 56.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.60% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BOC Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37.8% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.67% above tier average
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 8.40% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.4M
+4.0% YoY
-5.3% QoQ
|
-$183.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$149.5M
+2.9% YoY
+2.0% QoQ
|
-$108.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$176.7M
+3.6% YoY
-6.4% QoQ
|
-$150.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.99%
+1.6% YoY
-8.4% QoQ
|
+0.67% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 13.4% in tier |
| Net Interest Margin ? |
4.35%
+2.4% YoY
+3.7% QoQ
|
+0.36% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
56.08%
+8.6% YoY
+7.1% QoQ
|
-8.40% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
84.60%
-0.7% YoY
+9.1% QoQ
|
+6.65% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.58%
+53.5% YoY
-27.4% QoQ
|
-1.45% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.02%
+1.7% YoY
+11.2% QoQ
|
+0.11% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.04%
+74.0% YoY
+111.2% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.5% 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 |
20.6%
+7.2pp YoY -7.8pp QoQ |
-1.6pp | 22.1% | 29.2% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
32.8%
-4.6pp YoY +0.9pp QoQ |
+21.3pp | 11.6% | 14.8% | 12.5% | 97% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
29.4%
-0.6pp YoY -4.3pp QoQ |
-3.2pp | 32.6% | 25.8% | 31.3% | 50% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.7% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.0%
+0.3pp YoY +1.6pp QoQ |
-2.8pp | 18.8% | 22.7% | 19.7% | 58% |
| Leverage Ratio |
12.4%
+1.1pp YoY +2.3pp QoQ |
+0.2pp | 12.2% | 12.6% | 12.6% | 69% |
| Total Capital Ratio |
17.3%
+0.4pp YoY +1.6pp QoQ |
-2.7pp | 19.9% | 23.8% | 20.8% | 58% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
-5 (-15.6%) YoY 0 QoQ |
-32 | 58 | 186 | 482 | 22% |
| Assets per Employee ($) |
$7.5M
+23.3% YoY -5.3% QoQ |
+$14K | $7.5M | $10.1M | $8.8M | 61% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
-1.1pp YoY -2.0pp QoQ |
+4.4pp | 12.2% | 13.2% | 11.6% | 75% |
| Cost of Funds (YTD) |
2.5%
-0.4pp YoY -0.4pp QoQ |
+0.7pp | 1.7% | 1.6% | 1.7% | 89% |
| Net Income ($, YTD) |
$2.1M
+3.5% YoY — QoQ |
-$465K | $2.6M | $15.9M | $40.4M | 54% |
Get Full Access to BOC 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.