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Broadstreet Bank S S B

$100M-$1B Specialty: Commercial TX FDIC cert 28868

Mineola, TX

7 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 -0.5% year over year ($343.4M on the books).
  • Delinquency rate 0.45%.
  • Return on assets 0.94%.
  • Efficiency ratio 70.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.45% 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) →

Broadstreet Bank S S B has 1 strength but faces 6 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 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 29.7% in tier
  • - Liquidity Strain: Bottom 29.8% in tier
  • - Nonperforming Asset Ratio 1.70% above tier average
  • - ROA 0.38% below tier average
  • - Net Interest Margin 0.35% below tier average
  • - Efficiency Ratio 6.16% above tier average
Get updates when Broadstreet Bank S S B releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $442.8M
-0.0% YoY +3.2% QoQ
+$56.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $314.1M
+6.8% YoY +5.2% QoQ
+$55.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $343.4M
-0.5% YoY +2.1% QoQ
+$16.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.94%
+42.2% YoY +6.8% QoQ
-0.38% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 3.64%
+14.0% YoY +2.5% QoQ
-0.35% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 70.63%
-5.5% YoY -3.8% QoQ
+6.16% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 0.45%
-87.7% YoY -31.7% QoQ
-0.47% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 91.45%
+7.4% YoY +3.0% QoQ
+13.50% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 16.04%
+0.4% YoY +1.7% QoQ
-5.99% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 2.37%
-5.2% YoY -7.9% QoQ
+1.70% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 5.3% in tier
Tier 1 Capital Ratio ? 12.13%
+7.2% YoY +1.4% QoQ
-3.78% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.31%
+46.8% YoY +98.2% QoQ
-0.25% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
74%

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 16.0%
+0.1pp YoY
+0.3pp QoQ
 -6.1pp 22.1% 29.2% 22.2% 27%
Brokered Deposits 5.2%
-1.2pp YoY
-0.1pp QoQ
 -2.6pp 7.9% 8.0% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 3.1%
+1.3pp YoY
0.0pp QoQ
 -8.4pp 11.6% 14.8% 12.5% 10%
CRE 35.9%
-5.7pp YoY
-0.9pp QoQ
 -3.6pp 39.5% 48.4% 41.4% 45%
1-4 Family 47.7%
-0.5pp YoY
-1.1pp QoQ
 +15.1pp 32.6% 25.8% 31.3% 80%
Consumer 0.9%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 4.1% 4.7% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.1%
+0.8pp YoY
+0.2pp QoQ
 0.0pp 12.2% 12.6% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 70
0 YoY
+4 (+6.1%) QoQ
 +11 58 186 482 71%
Assets per Employee ($) $6.3M
0.0% YoY
-2.7% QoQ
 -$1.2M $7.5M $10.1M $8.8M 39%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.3% 0.4% 34%
Nonaccrual 0.4%
-3.2pp YoY
-0.2pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 48%
Allowance Coverage 2.55x
+743.3% YoY
+44.7% QoQ
 -21.60x 24.15x 18.82x 20.23x 54%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.3%
+1.8pp YoY
+0.5pp QoQ
 -3.9pp 12.2% 13.2% 11.6% 27%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.6% 1.7% 80%
Net Income ($, YTD) $2.0M
+39.4% YoY
— QoQ
 -$514K $2.6M $15.9M $40.4M 53%

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 (2)

Flatlined Growth

risk
#158 of 529 • Bottom 29.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.94%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Strain

risk
#207 of 691 • Bottom 29.8% 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: 91.45%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2505
Nonperforming Asset Ratio
credit_quality
Value: 2.37%
Peer Median: 0.67%
#2505 of 2643 Bottom 5.3% in $100M-$1B
2025
Loan-to-Deposit Ratio
liquidity
Value: 91.45%
Peer Median: 77.95%
#2025 of 2643 Bottom 23.4% in $100M-$1B
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