BlastPoint's Banking Scorecard
The State National Bank of Big Spring
Big Spring, 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 +10.4% year over year ($574.9M on the books).
- Delinquency rate 1.69%.
- Return on assets 1.79%.
- Efficiency ratio 34.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 16.47% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State National Bank of Big Spring has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48.4% in tier
- + Efficiency Ratio 29.52% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.08% below tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.0M
+10.9% YoY
+4.0% QoQ
|
+$253.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$94.7M
-3.7% YoY
+4.2% QoQ
|
-$163.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$574.9M
+10.4% YoY
+3.9% QoQ
|
+$248.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 14.0% in tier |
| Return on Assets ? |
1.79%
+23.9% YoY
+2.2% QoQ
|
+0.47% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
2.90%
+13.7% YoY
+1.0% QoQ
|
-1.08% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio ? |
34.96%
-18.8% YoY
-1.4% QoQ
|
-29.52% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 1.7% in tier |
| Delinquency Rate ? |
1.69%
+46.3% QoQ
|
+0.77% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
16.47%
-12.7% YoY
+0.3% QoQ
|
-61.48% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 0.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.44%
-1.0% YoY
-2.4% QoQ
|
+10.41% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 13.5% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+46.6% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.19%
+4.2% YoY
+1.5% QoQ
|
-4.72% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.08%
-8.6% YoY
+102.7% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.8% 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 |
32.4%
-0.3pp YoY -0.8pp QoQ |
+10.3pp | 22.1% | 29.2% | 22.2% | 86% |
| 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 |
27.7%
+1.3pp YoY -0.7pp QoQ |
+16.1pp | 11.6% | 14.8% | 12.5% | 95% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
10.1%
-0.2pp YoY -1.5pp QoQ |
-22.5pp | 32.6% | 25.8% | 31.3% | 11% |
| Consumer |
1.5%
+0.1pp YoY 0.0pp QoQ |
-2.6pp | 4.1% | 4.7% | 5.0% | 40% |
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 |
11.2%
+0.4pp YoY +0.2pp QoQ |
-1.0pp | 12.2% | 12.6% | 12.6% | 54% |
| 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 |
34
-3 (-8.1%) YoY +1 (+3.0%) QoQ |
-25 | 58 | 186 | 482 | 33% |
| Assets per Employee ($) |
$18.8M
+20.7% YoY +0.9% QoQ |
+$11.3M | $7.5M | $10.1M | $8.8M | 99% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.6% | +0.3pp | 0.3% | 0.3% | 0.4% | 85% |
| Nonaccrual |
1.1%
0.0pp QoQ |
+0.2pp | 0.9% | 1.0% | 1.0% | 74% |
| Allowance Coverage |
2.07x
-34.4% QoQ |
-22.09x | 24.15x | 18.82x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
+0.7pp YoY +0.4pp QoQ |
+5.9pp | 12.2% | 13.2% | 11.6% | 82% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$5.6M
+33.4% YoY — QoQ |
+$3.0M | $2.6M | $15.9M | $40.4M | 90% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.