BlastPoint's Banking Scorecard

Community Bank

$100M-$1B Specialty: Commercial TX FDIC cert 25752

Longview, TX

6 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Community Bank has 5 strengths but faces 1 concern

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

+ Profitability Leader: Top 33.5% in tier
+ Credit Quality Leader: Top 41.4% in tier
+ Efficiency Ratio 24.58% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$301.8M +2.0% YoY -2.7% QoQ	-$84.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$240.8M +0.7% YoY -2.2% QoQ	-$14.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$265.1M +1.3% YoY -3.8% QoQ	-$62.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	2.73% +5.6% YoY -3.7% QoQ	+1.46%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 3.3% in tier
Net Interest Margin ?	4.40% +5.0% YoY +1.2% QoQ	+0.47%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	40.70% -0.0% YoY +3.0% QoQ	-24.58%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 4.8% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	90.84% -0.6% YoY +1.7% QoQ	+14.20%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	33.59% +5.4% YoY -12.9% QoQ	+11.57%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.10% +5.4% YoY +4.9% QoQ	-3.73%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.08% +16.7% YoY -82.2% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	39%

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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 (2)

Profitability Leader

growth

#224 of 666 • Top 33.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#276 of 664 • Top 41.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#57 of 643 • Bottom 8.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.84%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.73%

Peer Median: 1.27%

#89 of 2664 Top 3.3% in $100M-$1B

128

Efficiency Ratio

profitability

Value: 40.70%

Peer Median: 65.29%

#128 of 2664 Top 4.8% in $100M-$1B

310

Non-Interest-Bearing Deposit Share

funding

Value: 33.59%

Peer Median: 22.02%

#310 of 2664 Top 11.6% in $100M-$1B

588

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.93%

#588 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (1 metrics)

2060

Loan-to-Deposit Ratio

liquidity

Value: 90.84%

Peer Median: 76.64%

#2060 of 2664 Bottom 22.7% in $100M-$1B