BlastPoint's Banking Scorecard
Texas Regional Bank
Harlingen, TX
37 branches across TX
Texas Regional Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.13% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 27.0% in tier
- - Return on Assets 1.38% below tier average
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+6.2% YoY
+0.6% QoQ
|
+$143.7M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$1.7B
+15.2% YoY
+2.7% QoQ
|
-$249.5M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$2.5B
+1.4% YoY
-2.2% QoQ
|
+$203.5M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
-0.01%
-105.6% YoY
-102.4% QoQ
|
-1.38% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.3% in tier |
| Net Interest Margin ? |
3.59%
+8.8% YoY
+1.3% QoQ
|
-0.23% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
90.02%
-0.2% YoY
+8.6% QoQ
|
+28.96% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate ? |
1.20%
+594.7% YoY
+642.8% QoQ
|
+0.31% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
67.35%
+13.6% YoY
+5.0% QoQ
|
-16.85% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.11%
+4.7% YoY
+3.9% QoQ
|
+7.82% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.71%
+669.5% YoY
+629.1% QoQ
|
+0.04% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.24%
-7.9% YoY
-3.4% QoQ
|
-2.92% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.39%
+30.0% YoY
-75.3% QoQ
|
+0.13% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.8% in tier |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.