BlastPoint's Banking Scorecard
Interstate Bank
Perryton, TX
2 branches across TX
Interstate Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.64% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 10.8% in tier
- - Capital Thin: Bottom 33.8% in tier
- - Cost Spiral: Bottom 73.0% in tier
- - Delinquency Rate 3.41% above tier average
- - Nonperforming Asset Ratio 1.39% above tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$292.3M
+5.3% YoY
+6.0% QoQ
|
-$93.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$138.1M
-14.3% YoY
-1.5% QoQ
|
-$117.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$273.6M
+4.9% YoY
+6.3% QoQ
|
-$54.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.29%
-36.1% YoY
+34.4% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.24%
-8.2% YoY
-10.7% QoQ
|
-0.69% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
62.65%
+32.0% YoY
+10.7% QoQ
|
-2.64% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
4.30%
+217.3% YoY
-4.1% QoQ
|
+3.41% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.9% in tier |
| Loan-to-Deposit Ratio ? |
50.47%
-18.3% YoY
-7.4% QoQ
|
-26.17% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.56%
-12.3% YoY
-3.5% QoQ
|
-10.46% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.2% in tier |
| Nonperforming Asset Ratio ? |
2.03%
+158.2% YoY
-10.9% QoQ
|
+1.39% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.5% in tier |
| Tier 1 Capital Ratio ? |
9.30%
-5.7% YoY
-1.3% QoQ
|
-6.53% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.4% in tier |
| Non-Interest Income / Assets ? |
0.12%
-24.4% YoY
-80.4% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.