BlastPoint's Banking Scorecard

TrustTexas Bank, SSB

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

Cuero, TX

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +8.5% year over year ($384.8M on the books).
Delinquency rate 0.68%.
Return on assets 0.24%.
Efficiency ratio 88.45% vs a 64.48% peer average.
Loan-to-deposit ratio 54.92% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

TrustTexas Bank, SSB has 1 strength but faces 4 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 0.24% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 48.4% in tier
- Return on Assets 1.08% below tier average
- Net Interest Margin 1.27% below tier average
- Efficiency Ratio 23.97% above tier average

Get updates when TrustTexas Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$393.5M +10.8% YoY +2.8% QoQ	+$6.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$211.3M +21.0% YoY +6.7% QoQ	-$47.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$384.8M +8.5% YoY +2.1% QoQ	+$58.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	0.24% +105.3% YoY +9.6% QoQ	-1.08%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 6.3% in tier
Net Interest Margin ?	2.71% +4.8% YoY +1.3% QoQ	-1.27%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	88.45% -16.2% YoY -1.8% QoQ	+23.97%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 6.7% in tier
Delinquency Rate ?	0.68% +80.4% YoY +2.2% QoQ	-0.24%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	54.92% +11.6% YoY +4.5% QoQ	-23.03%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 12.4% in tier
Non-Interest-Bearing Deposit Share ?	14.89% +3.4% YoY +3.8% QoQ	-7.14%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	0.36% +97.2% YoY +6.1% QoQ	-0.30%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	17.45% -11.9% YoY -7.4% QoQ	+1.54%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.17% -11.8% YoY +99.0% QoQ	-0.39%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	42%

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	14.9% +0.5pp YoY +0.5pp QoQ	-7.3pp	22.1%	29.2%	22.2%	24%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	2.9% +0.8pp YoY +0.8pp QoQ	-8.7pp	11.6%	14.8%	12.5%	10%
CRE	11.4% -3.6pp YoY -2.5pp QoQ	-28.2pp	39.5%	48.4%	41.4%	6%
1-4 Family	72.1% +3.2pp YoY +4.1pp QoQ	+39.5pp	32.6%	25.8%	31.3%	95%
Consumer	0.8% -0.2pp YoY -0.2pp QoQ	-3.3pp	4.1%	4.7%	5.0%	24%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	17.4% -2.4pp YoY -1.4pp QoQ	-1.4pp	18.8%	22.7%	19.7%	66%
Leverage Ratio	8.0% -0.4pp YoY -0.2pp QoQ	-4.1pp	12.2%	12.6%	12.6%	2%
Total Capital Ratio	18.5% -2.6pp YoY -1.4pp QoQ	-1.5pp	19.9%	23.8%	20.8%	65%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	54 +6 (+12.5%) YoY -2 (-3.6%) QoQ	-5	58	186	482	57%
Assets per Employee ($)	$7.3M -1.5% YoY +6.6% QoQ	-$231K	$7.5M	$10.1M	$8.8M	57%
Branch Count	6 0 YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.7% +0.3pp YoY 0.0pp QoQ	-0.3pp	0.9%	1.0%	1.0%	61%
Allowance Coverage	1.30x -52.3% YoY -3.4% QoQ	-22.85x	24.15x	18.82x	20.23x	35%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	22.0% -2.5pp QoQ	+9.8pp	12.2%	13.2%	11.6%	92%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	54%
Net Income ($, YTD)	$463,000 +105.6% YoY — QoQ	-$2.1M	$2.6M	$15.9M	$40.4M	10%

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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 (1)

Credit Quality Pressure

risk

#609 of 1256 • Bottom 48.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.68%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

330

Loan-to-Deposit Ratio

liquidity

Value: 54.92%

Peer Median: 77.95%

#330 of 2643 Top 12.4% in $100M-$1B

564

Tier 1 Capital Ratio

capital

Value: 17.45%

Peer Median: 15.91%

#564 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (4 metrics)

2511

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.99%

#2511 of 2643 Bottom 5.0% in $100M-$1B

2478

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.32%

#2478 of 2643 Bottom 6.3% in $100M-$1B

2467

Efficiency Ratio

profitability

Value: 88.45%

Peer Median: 64.48%

#2467 of 2643 Bottom 6.7% in $100M-$1B

2012

Non-Interest-Bearing Deposit Share

funding

Value: 14.89%

Peer Median: 22.03%

#2012 of 2643 Bottom 23.9% in $100M-$1B