BlastPoint's Banking Scorecard
Texas Financial Bank
Eden, TX
5 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 +45.8% year over year ($223.6M on the books).
- Delinquency rate 1.01%.
- Return on assets 0.33%.
- Efficiency ratio 78.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.69% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Texas Financial Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 71.9% in tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.99% below tier average
- - Efficiency Ratio 13.70% above tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$264.6M
+44.2% YoY
+1.4% QoQ
|
-$122.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$146.9M
+70.3% YoY
+10.8% QoQ
|
-$111.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$223.6M
+45.8% YoY
+0.7% QoQ
|
-$103.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.33%
-75.2% YoY
+9.3% QoQ
|
-0.99% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.9% in tier |
| Net Interest Margin ? |
4.85%
-11.0% YoY
+0.0% QoQ
|
+0.86% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 10.9% in tier |
| Efficiency Ratio ? |
78.18%
+40.0% YoY
+2.7% QoQ
|
+13.70% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? | 1.01% | +0.09% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
65.69%
+16.8% YoY
+10.0% QoQ
|
-12.27% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
30.90%
-25.3% YoY
+4.5% QoQ
|
+8.87% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.56% | -0.11% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
11.72%
-1.3% YoY
+7.0% QoQ
|
-4.19% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.42%
-2.6% YoY
+69.3% QoQ
|
-0.15% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 13.5% 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 |
30.9%
-10.5pp YoY +1.3pp QoQ |
+8.8pp | 22.1% | 29.2% | 22.2% | 84% |
| Brokered Deposits |
1.4%
-0.6pp YoY 0.0pp QoQ |
-6.4pp | 7.9% | 8.0% | 8.5% | 24% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.6%
+3.6pp YoY -0.8pp QoQ |
+10.0pp | 11.6% | 14.8% | 12.5% | 90% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
0.8%
-0.7pp YoY 0.0pp QoQ |
-31.8pp | 32.6% | 25.8% | 31.3% | 1% |
| Consumer |
0.8%
-0.4pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 4.7% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
11.7%
-0.2pp YoY +0.8pp QoQ |
-0.5pp | 12.2% | 12.6% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+19 (+54.3%) YoY +1 (+1.9%) QoQ |
-5 | 58 | 186 | 482 | 57% |
| Assets per Employee ($) |
$4.9M
-6.6% YoY -0.4% QoQ |
-$2.6M | $7.5M | $10.1M | $8.8M | 13% |
| Branch Count |
5
+1 (+25.0%) YoY 0 QoQ |
0 | 4 | 12 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 1.0% | +0.7pp | 0.3% | 0.3% | 0.4% | 91% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | 1.31x | -22.85x | 24.15x | 18.82x | 20.23x | 35% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.4%
-6.6pp YoY +0.2pp QoQ |
-9.8pp | 12.2% | 13.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
1.3%
+0.8pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$416,000
-62.6% YoY — QoQ |
-$2.1M | $2.6M | $15.9M | $40.4M | 9% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.