BlastPoint's Banking Scorecard

TrustTexas Bank, SSB

$100M-$1B Specialty: Other TX FDIC cert 28515

Cuero, TX

6 branches across TX

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

TrustTexas Bank, SSB has 1 strength 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

+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.05% below tier average
- Net Interest Margin 1.25% below tier average
- Efficiency Ratio 24.81% 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 ?	$382.9M +8.4% YoY +3.9% QoQ	-$3.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$198.0M +13.1% YoY +13.4% QoQ	-$57.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$376.9M +7.8% YoY +4.2% QoQ	+$48.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	0.22% +102.4% YoY +110.0% QoQ	-1.05%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 6.7% in tier
Net Interest Margin ?	2.68% +18.4% YoY -0.1% QoQ	-1.25%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 5.2% in tier
Efficiency Ratio ?	90.10% -25.0% YoY -5.5% QoQ	+24.81%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 6.4% in tier
Delinquency Rate ?	0.66% -16.6% YoY -17.9% QoQ	-0.22%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	52.53% +4.9% YoY +8.8% QoQ	-24.11%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 11.4% in tier
Non-Interest-Bearing Deposit Share ?	14.34% +1.2% YoY +6.7% QoQ	-7.68%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.34% -13.1% YoY -10.4% QoQ	-0.29%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	18.85% -2.9% YoY -3.6% QoQ	+3.02%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.09% -10.0% YoY -81.7% QoQ	-0.19%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	44%

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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 (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 (2 metrics)

305

Loan-to-Deposit Ratio

liquidity

Value: 52.53%

Peer Median: 76.64%

#305 of 2664 Top 11.4% in $100M-$1B

433

Tier 1 Capital Ratio

capital

Value: 18.85%

Peer Median: 15.83%

#433 of 2664 Top 16.2% in $100M-$1B

Top Weaknesses (4 metrics)

2526

Net Interest Margin

profitability

Value: 2.68%

Peer Median: 3.93%

#2526 of 2664 Bottom 5.2% in $100M-$1B

2495

Efficiency Ratio

profitability

Value: 90.10%

Peer Median: 65.29%

#2495 of 2664 Bottom 6.4% in $100M-$1B

2486

Return on Assets

profitability

Value: 0.22%

Peer Median: 1.27%

#2486 of 2664 Bottom 6.7% in $100M-$1B

2088

Non-Interest-Bearing Deposit Share

funding

Value: 14.34%

Peer Median: 22.02%

#2088 of 2664 Bottom 21.7% in $100M-$1B