BlastPoint's Banking Scorecard

Texas Regional Bank

$1B-$10B Specialty: Commercial TX FDIC cert 26906

Harlingen, TX

37 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -0.2% year over year ($2.5B on the books).
Delinquency rate 0.60%.
Return on assets 0.30%.
Efficiency ratio 87.02% vs a 59.73% peer average.
Loan-to-deposit ratio 71.57% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Texas Regional Bank 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

+ Non-Interest Income / Assets 0.31% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 46.7% in tier
- Return on Assets 1.10% below tier average
- Net Interest Margin 0.20% below tier average

Get updates when Texas Regional Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.9B +2.2% YoY -0.3% QoQ	+$156.6M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$1.8B +12.4% YoY +3.6% QoQ	-$186.9M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$2.5B -0.2% YoY -2.5% QoQ	+$163.1M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	0.30% -1.1% YoY	-1.10%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 3.5% in tier
Net Interest Margin ?	3.68% +6.2% YoY +2.4% QoQ	-0.20%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	87.02% -0.5% YoY -3.3% QoQ	+27.29%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 2.8% in tier
Delinquency Rate ?	0.60% +293.7% YoY -50.0% QoQ	-0.27%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	71.57% +12.6% YoY +6.3% QoQ	-13.46%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	30.88% +5.5% YoY +6.1% QoQ	+9.61%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 13.6% in tier
Nonperforming Asset Ratio ?	0.67% +699.8% YoY -6.0% QoQ	-0.01%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	12.06% -4.4% YoY -1.5% QoQ	-2.79%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.84% +43.2% YoY +115.3% QoQ	+0.31%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 7.9% in tier

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% +1.6pp YoY +1.8pp QoQ	+9.5pp	21.4%	29.2%	22.2%	86%
Brokered Deposits	0.6% -4.5pp YoY -4.4pp QoQ	-8.9pp	9.5%	8.0%	8.5%	13%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	14.3% -1.1pp YoY +0.6pp QoQ	+0.3pp	14.0%	14.8%	12.5%	64%
CRE	63.7% +0.8pp YoY -0.6pp QoQ	+13.7pp	50.0%	48.4%	41.4%	81%
1-4 Family	16.4% -2.0pp YoY -0.3pp QoQ	-10.1pp	26.4%	25.8%	31.3%	34%
Consumer	0.8% -0.1pp YoY -0.1pp QoQ	-3.9pp	4.7%	4.7%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	12.1% -0.6pp YoY -0.2pp QoQ	-3.5pp	15.6%	22.7%	19.7%	25%
Leverage Ratio	8.8% +0.1pp YoY -0.1pp QoQ	-2.5pp	11.3%	12.6%	12.6%	8%
Total Capital Ratio	13.1% -0.4pp YoY -0.2pp QoQ	-3.6pp	16.7%	23.8%	20.8%	23%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	589 +8 (+1.4%) YoY -1 (-0.2%) QoQ	+275	313	186	482	88%
Assets per Employee ($)	$5.0M +0.8% YoY -0.2% QoQ	-$5.5M	$10.5M	$10.1M	$8.8M	3%
Branch Count	37 +2 (+5.7%) YoY 0 QoQ	+17	20	12	18	88%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.2pp	0.2%	0.3%	0.4%	1%
Nonaccrual	0.6% +0.4pp YoY -0.6pp QoQ	-0.2pp	0.8%	1.0%	1.0%	57%
Allowance Coverage	1.93x -71.9% YoY +92.3% QoQ	-16.78x	18.71x	18.82x	20.23x	47%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	3.3% -0.2pp YoY +3.4pp QoQ	-9.3pp	12.6%	13.2%	11.6%	4%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.6%	1.7%	62%
Net Income ($, YTD)	$4.4M +4.3% YoY — QoQ	-$14.9M	$19.2M	$15.9M	$40.4M	9%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#29 of 60 • Bottom 46.7% in tier

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

Why this signature

Efficiency Ratio: 87.02%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.84%

Peer Median: 0.53%

#71 of 885 Top 7.9% in $1B-$10B

121

Non-Interest-Bearing Deposit Share

funding

Value: 30.88%

Peer Median: 21.27%

#121 of 885 Top 13.6% in $1B-$10B

159

Loan-to-Deposit Ratio

liquidity

Value: 71.57%

Peer Median: 85.04%

#159 of 885 Top 17.9% in $1B-$10B

Top Weaknesses (2 metrics)

861

Efficiency Ratio

profitability

Value: 87.02%

Peer Median: 59.73%

#861 of 885 Bottom 2.8% in $1B-$10B

855

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.39%

#855 of 885 Bottom 3.5% in $1B-$10B