BlastPoint's Banking Scorecard
Cendera Bank
Bells, TX
3 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 +14.5% year over year ($228.5M on the books).
- Delinquency rate 0.37%.
- Return on assets 0.37%.
- Efficiency ratio 87.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cendera Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier average
- - Efficiency Ratio 23.22% above tier average
- - Non-Interest-Bearing Deposit Share 13.19% below tier average
- - Non-Interest Income / Assets 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$257.6M
+13.4% YoY
+12.5% QoQ
|
-$129.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$199.1M
+7.5% YoY
+10.7% QoQ
|
-$59.3M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$228.5M
+14.5% YoY
+13.9% QoQ
|
-$98.2M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.37%
+115.0% YoY
+58.1% QoQ
|
-0.95% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.1% in tier |
| Net Interest Margin ? |
4.30%
+3.4% YoY
+0.5% QoQ
|
+0.32% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
87.70%
-0.7% YoY
-5.5% QoQ
|
+23.22% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate ? |
0.37%
-48.7% YoY
+34.8% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
87.12%
-6.1% YoY
-2.8% QoQ
|
+9.17% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
8.84%
-11.2% YoY
-10.1% QoQ
|
-13.19% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-54.1% YoY
+10.5% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
11.25%
-2.8% YoY
-4.6% QoQ
|
-4.66% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.07%
-5.5% YoY
+102.5% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
8.8%
-1.1pp YoY -1.0pp QoQ |
-13.3pp | 22.1% | 29.2% | 22.2% | 8% |
| 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 |
20.8%
-0.8pp YoY -1.2pp QoQ |
+9.3pp | 11.6% | 14.8% | 12.5% | 90% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
23.2%
-6.2pp YoY -2.8pp QoQ |
-9.5pp | 32.6% | 25.8% | 31.3% | 37% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 4.7% | 5.0% | 9% |
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 |
11.3%
-0.3pp YoY -0.5pp QoQ |
-0.9pp | 12.2% | 12.6% | 12.6% | 55% |
| 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 |
33
0 YoY -1 (-2.9%) QoQ |
-26 | 58 | 186 | 482 | 31% |
| Assets per Employee ($) |
$7.8M
+13.4% YoY +16.0% QoQ |
+$288K | $7.5M | $10.1M | $8.8M | 65% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.3% | 0.3% | 0.4% | 76% |
| Nonaccrual |
0.0%
-0.3pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 10% |
| Allowance Coverage |
2.79x
+75.6% YoY -32.4% QoQ |
-21.36x | 24.15x | 18.82x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.3%
+1.8pp YoY +1.3pp QoQ |
-8.9pp | 12.2% | 13.2% | 11.6% | 9% |
| Cost of Funds (YTD) |
2.8%
-0.4pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.6% | 1.7% | 95% |
| Net Income ($, YTD) |
$445,000
+125.9% YoY — QoQ |
-$2.1M | $2.6M | $15.9M | $40.4M | 9% |
Get Full Access to Cendera Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.