BlastPoint

BlastPoint's Banking Scorecard

NexBank

$10B-$250B Specialty: Mortgage TX FDIC cert 29209

Designations: ✓ Community bank

Dallas, TX

2 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 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
  • Deposits +3.3% year over year ($11.0B on the books).
  • Delinquency rate 1.48%.
  • Return on assets 1.05%.
  • Efficiency ratio 50.84% vs a 53.67% peer average.
  • Loan-to-deposit ratio 84.17% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 11 in TX
View $10B-$250B leaderboard (TX) →

NexBank 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

  • + Efficiency Ratio 2.83% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 11.1% in tier
  • - Flatlined Growth: Bottom 19.2% in tier
  • - Cost Spiral: Bottom 33.3% in tier
  • - Net Interest Margin 1.61% below tier average
  • - Delinquency Rate 0.46% above tier average
Get updates when NexBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $14.2B
-0.2% YoY +5.3% QoQ
-$29.4B $43.6B
-13.8% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $9.3B
-2.2% YoY +0.9% QoQ
-$18.7B $28.0B
-8.6% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $11.0B
+3.3% YoY +7.1% QoQ
-$24.4B $35.4B
-14.0% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.05%
-20.0% YoY -18.0% QoQ
-0.34% 1.39%
+25.9% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 2.31%
+2.8% YoY +2.5% QoQ
-1.61% 3.92%
+8.9% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 8.6% in tier
Efficiency Ratio ? 50.84%
+27.2% YoY +4.2% QoQ
-2.83% 53.67%
-1.9% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 1.48%
-3.6% YoY +19.9% QoQ
+0.46% 1.01%
-2.8% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 13.8% in tier
Loan-to-Deposit Ratio ? 84.17%
-5.3% YoY -5.8% QoQ
+1.56% 82.61%
+3.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 25.21%
+44.1% YoY +52.2% QoQ
+4.63% 20.58%
+4.9% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 1.26%
+20.6% YoY +11.8% QoQ
+0.53% 0.73%
+5.8% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 10.1% in tier
Tier 1 Capital Ratio ? 14.92%
-2.4% YoY -1.6% QoQ
-0.43% 15.35%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.25%
-22.9% YoY +41.5% QoQ
-0.25% 0.50%
+10.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
34%

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 25.2%
+7.7pp YoY
+8.7pp QoQ
 +4.2pp 21.0% 29.2% 22.2% 63%
Brokered Deposits 5.6%
+0.5pp YoY
-1.6pp QoQ
 -3.6pp 9.2% 8.0% 8.5% 46%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 0.5%
-0.5pp YoY
-0.5pp QoQ
 -16.7pp 17.2% 14.8% 12.5% 2%
CRE 16.0%
-1.4pp YoY
-0.6pp QoQ
 -26.0pp 42.0% 48.4% 41.4% 8%
1-4 Family 64.6%
+4.9pp YoY
+1.4pp QoQ
 +41.5pp 23.1% 25.8% 31.3% 98%
Consumer 0.3%
+0.2pp YoY
+0.1pp QoQ
 -12.5pp 12.9% 4.7% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 14.9%
-0.4pp YoY
-0.2pp QoQ
 -0.3pp 15.3% 22.7% 19.7% 77%
Leverage Ratio 9.1%
-0.8pp YoY
-0.2pp QoQ
 -1.4pp 10.4% 12.6% 12.6% 18%
Total Capital Ratio 15.4%
-0.3pp YoY
-0.3pp QoQ
 -1.1pp 16.5% 23.8% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 103
+3 (+3.0%) YoY
0 QoQ
 -3,155 3,258 186 482 1%
Assets per Employee ($) $137.5M
-3.1% YoY
+5.3% QoQ
 +$110.4M $27.0M $10.1M $8.8M 97%
Branch Count 2
-1 (-33.3%) YoY
0 QoQ
 -136 137 12 18 15%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.4%
-0.3pp YoY
0.0pp QoQ
 0.0pp 0.4% 0.3% 0.4% 83%
Nonaccrual 1.1%
+0.2pp YoY
+0.3pp QoQ
 +0.4pp 0.7% 1.0% 1.0% 85%
Allowance Coverage 0.28x
+12.1% YoY
-20.4% QoQ
 -2.53x 2.81x 18.82x 20.23x 3%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.4pp 0.4% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.1%
-1.8pp YoY
-2.5pp QoQ
 -0.5pp 12.6% 13.2% 11.6% 59%
Cost of Funds (YTD) 2.6%
-0.4pp YoY
-0.1pp QoQ
 +0.6pp 2.0% 1.6% 1.7% 82%
Net Income ($, YTD) $72.3M
-20.9% YoY
— QoQ
 -$224.5M $296.8M $15.9M $40.4M 16%

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 (3)

Margin Compression

decline
#3 of 18 • Bottom 11.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.05%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
18 of 18 Large banks match · 413 nationally
→ Stable +8 banks QoQ

Flatlined Growth

risk
#6 of 26 • Bottom 19.2% 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: 1.05%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ

Cost Spiral

risk
#5 of 12 • Bottom 33.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 50.84%
(Tier: 53.67%, National: 70.05%)
better than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 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).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

33
Tier 1 Capital Ratio
capital
Value: 14.92%
Peer Median: 15.35%
#33 of 139 Top 23.0% in $10B-$250B

Top Weaknesses (6 metrics)

128
Net Interest Margin
profitability
Value: 2.31%
Peer Median: 3.92%
#128 of 139 Bottom 8.6% in $10B-$250B
126
Nonperforming Asset Ratio
credit_quality
Value: 1.26%
Peer Median: 0.73%
#126 of 139 Bottom 10.1% in $10B-$250B
120
Delinquency Rate
credit_quality
Value: 1.48%
Peer Median: 1.01%
#120 of 138 Bottom 13.8% in $10B-$250B
116
Total Deposits
size
Value: $11.05B
Peer Median: $35.42B
#116 of 139 Bottom 17.3% in $10B-$250B
115
Total Loans
size
Value: $9.30B
Peer Median: $27.97B
#115 of 139 Bottom 18.0% in $10B-$250B
115
Total Assets
size
Value: $14.16B
Peer Median: $43.60B
#115 of 139 Bottom 18.0% in $10B-$250B
Powered by BlastPoint © 2026