BlastPoint's Banking Scorecard

State Bank of Texas

$1B-$10B Specialty: Commercial TX FDIC cert 27074

Designations: ✓ Minority Depository Institution

Irving, TX

7 branches across TX · IL

884 banks in the $1B-$10B peer group nationally 80 in TX

State Bank of Texas has 3 strengths but faces 7 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

+ Return on Assets 2.57% above tier average
+ Net Interest Margin 1.22% above tier average
+ Efficiency Ratio 40.41% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.5% in tier
- Deposit Outflow: Bottom 13.8% in tier
- Capital Constraint: Bottom 81.1% in tier
- Non-Interest-Bearing Deposit Share 16.43% below tier average
- Nonperforming Asset Ratio 1.63% above tier average
- Non-Interest Income / Assets 0.21% below tier average
- Delinquency Rate 0.37% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.8B -0.9% YoY -0.3% QoQ	-$51.0M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$2.2B -2.2% YoY -1.3% QoQ	+$243.0M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$2.2B -4.8% YoY -0.6% QoQ	-$119.3M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	3.94% -3.3% YoY -1.0% QoQ	+2.57%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 1.6% in tier
Net Interest Margin ?	5.04% -1.1% YoY -4.4% QoQ	+1.22%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.1% in tier
Efficiency Ratio ?	20.65% +6.6% YoY +2.8% QoQ	-40.41%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 0.6% in tier
Delinquency Rate ?	1.26% -49.9% YoY -43.5% QoQ	+0.37%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	99.27% +2.7% YoY -0.7% QoQ	+15.07%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	4.86% -7.6% YoY -1.5% QoQ	-16.43%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 4.5% in tier
Nonperforming Asset Ratio ?	2.30% +9.4% YoY -17.3% QoQ	+1.63%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 4.8% in tier
Tier 1 Capital Ratio ?	14.73% +6.5% YoY +0.3% QoQ	-0.43%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.05% -20.8% YoY -69.3% QoQ	-0.21%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 8.8% 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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#46 of 334 • Bottom 13.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.27%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#19 of 130 • Bottom 13.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#31 of 37 • Bottom 81.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 99.27%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.73%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 20.65%

Peer Median: 61.06%

#6 of 884 Top 0.6% in $1B-$10B

Return on Assets

profitability

Value: 3.94%

Peer Median: 1.37%

#15 of 884 Top 1.6% in $1B-$10B

Net Interest Margin

profitability

Value: 5.04%

Peer Median: 3.82%

#46 of 884 Top 5.1% in $1B-$10B

Top Weaknesses (5 metrics)

845

Non-Interest-Bearing Deposit Share

funding

Value: 4.86%

Peer Median: 21.29%

#845 of 884 Bottom 4.5% in $1B-$10B

843

Nonperforming Asset Ratio

credit_quality

Value: 2.30%

Peer Median: 0.67%

#843 of 884 Bottom 4.8% in $1B-$10B

807

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#807 of 884 Bottom 8.8% in $1B-$10B

750

Loan-to-Deposit Ratio

liquidity

Value: 99.27%

Peer Median: 84.20%

#750 of 884 Bottom 15.3% in $1B-$10B

701

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.89%

#701 of 880 Bottom 20.5% in $1B-$10B