BlastPoint's Banking Scorecard

Bank of South Texas

$100M-$1B Specialty: Commercial TX FDIC cert 26727

Designations: ✓ Minority Depository Institution

Mcallen, TX

8 branches across TX

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

Bank of South Texas has 2 strengths but faces 3 concerns

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

+ Deposit Franchise: Top 30.5% in tier
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.5% in tier
- Margin Compression: Bottom 3.9% in tier
- Liquidity Overhang: Bottom 46.3% 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 ?	$170.6M +7.2% YoY +1.7% QoQ	-$215.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$116.3M +9.6% YoY +1.4% QoQ	-$139.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$137.8M +7.2% YoY +1.7% QoQ	-$190.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	0.86% -46.1% YoY -48.3% QoQ	-0.41%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	6.81% -4.4% YoY -8.9% QoQ	+2.88%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 0.5% in tier
Efficiency Ratio ?	83.27% +18.9% YoY +20.6% QoQ	+17.98%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 11.9% in tier
Delinquency Rate ?	0.18% -36.9% YoY -54.0% QoQ	-0.71%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	84.40% +2.3% YoY -0.3% QoQ	+7.76%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	32.74% -14.4% YoY -11.3% QoQ	+10.72%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 13.1% in tier
Nonperforming Asset Ratio ?	0.12% -35.4% YoY -54.1% QoQ	-0.52%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	16.57% +1.8% YoY -1.9% QoQ	+0.74%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.11% -12.3% YoY -76.3% QoQ	-0.17%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	59%

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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 (1)

Deposit Franchise

growth

#84 of 272 • Top 30.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.74%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.81%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (3)

Efficiency Drag

risk

#7 of 414 • Bottom 1.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.27%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Margin Compression

decline

#13 of 305 • Bottom 3.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.86%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Overhang

risk

#343 of 739 • Bottom 46.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.57%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.40%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 (3 metrics)

Net Interest Margin

profitability

Value: 6.81%

Peer Median: 3.93%

#15 of 2664 Top 0.5% in $100M-$1B

349

Non-Interest-Bearing Deposit Share

funding

Value: 32.74%

Peer Median: 22.02%

#349 of 2664 Top 13.1% in $100M-$1B

662

Tier 1 Capital Ratio

capital

Value: 16.57%

Peer Median: 15.83%

#662 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (4 metrics)

2349

Efficiency Ratio

profitability

Value: 83.27%

Peer Median: 65.29%

#2349 of 2664 Bottom 11.9% in $100M-$1B

2193

Total Deposits

size

Value: $137.76M

Peer Median: $327.97M

#2193 of 2664 Bottom 17.7% in $100M-$1B

2148

Total Assets

size

Value: $170.56M

Peer Median: $386.08M

#2148 of 2664 Bottom 19.4% in $100M-$1B

2006

Total Loans

size

Value: $116.27M

Peer Median: $255.72M

#2006 of 2664 Bottom 24.7% in $100M-$1B