BlastPoint's Banking Scorecard
NexBank
Designations: ✓ Community bank
Dallas, TX
3 branches across TX
NexBank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.23% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 14.3% in tier
- - Credit Risk Growth: Bottom 16.7% in tier
- - Net Interest Margin 1.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$13.4B
-3.4% YoY
-3.5% QoQ
|
-$33.5B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$9.2B
+3.7% YoY
-2.4% QoQ
|
-$20.1B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$10.3B
-2.7% YoY
-4.4% QoQ
|
-$28.1B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.9% in tier |
| Return on Assets ? |
1.27%
-2.2% YoY
+9.0% QoQ
|
-0.01% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
2.25%
+3.9% YoY
-0.3% QoQ
|
-1.52% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio ? |
48.78%
+16.7% YoY
+17.0% QoQ
|
-5.23% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
1.23%
+12.0% YoY
+0.6% QoQ
|
+0.21% |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
89.34%
+6.5% YoY
+2.1% QoQ
|
+8.55% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
16.56%
+7.9% YoY
+19.2% QoQ
|
-3.48% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.13%
+57.5% YoY
+4.3% QoQ
|
+0.40% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.9% in tier |
| Tier 1 Capital Ratio ? |
15.17%
-1.5% YoY
+3.7% QoQ
|
-0.35% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.18%
+19.6% YoY
-72.6% QoQ
|
-0.05% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.