BlastPoint's Banking Scorecard
State Bank of Texas
Designations: ✓ Minority Depository Institution
Irving, TX
7 branches across TX · IL
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 -6.8% year over year ($2.1B on the books).
- Delinquency rate 2.18%.
- Return on assets 4.24%.
- Efficiency ratio 21.41% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Texas has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 25.2% in tier
- + Net Interest Margin 1.46% above tier average
- + Efficiency Ratio 38.32% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.5% in tier
- - Deposit Outflow: Bottom 13.0% in tier
- - Capital Constraint: Bottom 56.2% in tier
- - Delinquency Rate 1.31% above tier average
- - Non-Interest-Bearing Deposit Share 15.93% below tier average
- - Nonperforming Asset Ratio 1.32% above tier average
- - Non-Interest Income / Assets 0.45% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
-6.6% YoY
-6.5% QoQ
|
-$207.3M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$2.1B
-6.9% YoY
-6.1% QoQ
|
+$109.5M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$2.1B
-6.8% YoY
-3.7% QoQ
|
-$177.6M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
4.24%
+4.7% YoY
+7.8% QoQ
|
+2.85% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 1.4% in tier |
| Net Interest Margin ? |
5.33%
+3.8% YoY
+5.9% QoQ
|
+1.46% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.4% in tier |
| Efficiency Ratio ? |
21.41%
+7.1% YoY
+3.7% QoQ
|
-38.32% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 0.9% in tier |
| Delinquency Rate ? |
2.18%
-11.7% YoY
+73.0% QoQ
|
+1.31% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.7% in tier |
| Loan-to-Deposit Ratio ? |
96.80%
-0.2% YoY
-2.5% QoQ
|
+11.76% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
5.34%
+4.7% YoY
+9.9% QoQ
|
-15.93% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.4% in tier |
| Nonperforming Asset Ratio ? |
2.00%
-29.1% YoY
-13.2% QoQ
|
+1.32% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.1% in tier |
| Tier 1 Capital Ratio ? |
15.71%
+7.6% YoY
+6.6% QoQ
|
+0.86% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.08%
-33.6% YoY
+77.1% QoQ
|
-0.45% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.6% 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 |
5.3%
+0.2pp YoY +0.5pp QoQ |
-16.0pp | 21.4% | 29.2% | 22.2% | 4% |
| Brokered Deposits |
9.0%
+0.2pp YoY +1.3pp QoQ |
-0.5pp | 9.5% | 8.0% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.9%
+0.1pp YoY +0.1pp QoQ |
-13.1pp | 14.0% | 14.8% | 12.5% | 2% |
| CRE | n/a | n/a | 50.0% | 48.4% | 41.4% | n/a |
| 1-4 Family |
0.2%
0.0pp YoY 0.0pp QoQ |
-26.2pp | 26.4% | 25.8% | 31.3% | 0% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.7% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
15.7%
+1.1pp YoY +1.0pp QoQ |
+4.4pp | 11.3% | 12.6% | 12.6% | 94% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
97
-4 (-4.0%) YoY +1 (+1.0%) QoQ |
-217 | 313 | 186 | 482 | 6% |
| Assets per Employee ($) |
$26.7M
-2.8% YoY -7.4% QoQ |
+$16.2M | $10.5M | $10.1M | $8.8M | 97% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 12 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.2%
-0.3pp YoY +1.0pp QoQ |
+1.4pp | 0.8% | 1.0% | 1.0% | 94% |
| Allowance Coverage |
0.47x
+8.2% YoY -45.1% QoQ |
-18.24x | 18.71x | 18.82x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
27.9%
-1.0pp YoY +1.0pp QoQ |
+15.3pp | 12.6% | 13.2% | 11.6% | 97% |
| Cost of Funds (YTD) |
3.3%
-0.5pp YoY 0.0pp QoQ |
+1.4pp | 1.9% | 1.6% | 1.7% | 98% |
| Net Income ($, YTD) |
$57.4M
+2.0% YoY — QoQ |
+$38.2M | $19.2M | $15.9M | $40.4M | 95% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.