BlastPoint's Banking Scorecard

Dalhart Federal Savings & Loan Association, SSB

$100M-$1B Specialty: Mortgage TX FDIC cert 29208

Dalhart, TX

2 branches across TX

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

Dalhart Federal Savings & Loan Association, SSB has 1 strength but faces 5 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 0.23% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.7% in tier
- Credit Quality Pressure: Bottom 33.1% in tier
- Return on Assets 1.56% below tier average
- Net Interest Margin 1.01% below tier average
- Efficiency Ratio 39.52% 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 ?	$125.5M -5.9% YoY -2.6% QoQ	-$260.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 7.6% in tier
Total Loans ?	$79.5M -1.8% YoY -1.6% QoQ	-$176.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 11.0% in tier
Total Deposits ?	$93.8M +2.2% YoY -2.1% QoQ	-$234.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 3.8% in tier
Return on Assets ?	-0.30% -42.0% YoY -30.4% QoQ	-1.56%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 2.3% in tier
Net Interest Margin ?	2.92% +21.1% YoY +9.1% QoQ	-1.01%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 8.9% in tier
Efficiency Ratio ?	104.80% -4.2% YoY +0.6% QoQ	+39.52%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 1.9% in tier
Delinquency Rate ?	0.66% +17.6% YoY +12.7% QoQ	-0.23%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	84.74% -3.9% YoY +0.5% QoQ	+8.10%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	16.20% -7.4% YoY -7.5% QoQ	-5.82%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.51% +47.3% YoY +11.6% QoQ	-0.13%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	25.30% +1.5% YoY +1.3% QoQ	+9.47%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 6.2% in tier
Non-Interest Income / Assets ?	0.06% -10.2% YoY -77.2% QoQ	-0.22%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	23%

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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 (2)

Liquidity Overhang

risk

#95 of 739 • Bottom 12.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 25.30%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.74%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#434 of 1308 • Bottom 33.1% in tier

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

Why this signature

Delinquency Rate: 0.66%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (1 metrics)

167

Tier 1 Capital Ratio

capital

Value: 25.30%

Peer Median: 15.83%

#167 of 2664 Top 6.2% in $100M-$1B

Top Weaknesses (7 metrics)

2615

Efficiency Ratio

profitability

Value: 104.80%

Peer Median: 65.29%

#2615 of 2664 Bottom 1.9% in $100M-$1B

2603

Return on Assets

profitability

Value: -0.30%

Peer Median: 1.27%

#2603 of 2664 Bottom 2.3% in $100M-$1B

2563

Total Deposits

size

Value: $93.82M

Peer Median: $327.97M

#2563 of 2664 Bottom 3.8% in $100M-$1B

2462

Total Assets

size

Value: $125.50M

Peer Median: $386.08M

#2462 of 2664 Bottom 7.6% in $100M-$1B

2427

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.93%

#2427 of 2664 Bottom 8.9% in $100M-$1B

2371

Total Loans

size

Value: $79.50M

Peer Median: $255.72M

#2371 of 2664 Bottom 11.0% in $100M-$1B

2042

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2042 of 2664 Bottom 23.4% in $100M-$1B