BlastPoint's Banking Scorecard

Texas Financial Bank

$100M-$1B Specialty: Commercial TX FDIC cert 26738

Eden, TX

5 branches across TX

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

Texas Financial Bank has 3 strengths but faces 2 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

+ Credit Quality Leader: Top 42.6% in tier
+ Net Interest Margin 0.92% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.97% below tier average
- Efficiency Ratio 10.85% above tier average

Get updates when Texas Financial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$260.8M +63.3% YoY +11.2% QoQ	-$125.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$132.6M +128.8% YoY +14.6% QoQ	-$123.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$222.1M +66.8% YoY +13.7% QoQ	-$105.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	0.30% -81.1% YoY -70.2% QoQ	-0.97%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 7.9% in tier
Net Interest Margin ?	4.85% -11.7% YoY -10.1% QoQ	+0.92%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 9.8% in tier
Efficiency Ratio ?	76.14% +36.2% YoY +22.4% QoQ	+10.85%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	21%
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 ?	59.71% +37.1% YoY +0.7% QoQ	-16.93%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	29.56% -32.9% YoY -10.9% QoQ	+7.55%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	81%
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 ?	10.95% -0.8% YoY -10.7% QoQ	-4.88%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.25% +7.6% YoY -65.5% QoQ	-0.03%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 9.5% in tier

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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)

Credit Quality Leader

growth

#284 of 664 • Top 42.6% 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 (0)

No matched concern signatures this quarter

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

253

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#253 of 2664 Top 9.5% in $100M-$1B

261

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.93%

#261 of 2664 Top 9.8% in $100M-$1B

481

Loan-to-Deposit Ratio

liquidity

Value: 59.71%

Peer Median: 76.64%

#481 of 2664 Top 18.0% in $100M-$1B

518

Non-Interest-Bearing Deposit Share

funding

Value: 29.56%

Peer Median: 22.02%

#518 of 2664 Top 19.4% in $100M-$1B

Top Weaknesses (3 metrics)

2454

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2454 of 2664 Bottom 7.9% in $100M-$1B

2116

Efficiency Ratio

profitability

Value: 76.14%

Peer Median: 65.29%

#2116 of 2664 Bottom 20.6% in $100M-$1B

2068

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.83%

#2068 of 2664 Bottom 22.4% in $100M-$1B