BlastPoint

BlastPoint's Banking Scorecard

Interstate Bank

$100M-$1B Specialty: Commercial TX FDIC cert 31043

Perryton, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +4.2% year over year ($269.1M on the books).
  • Delinquency rate 3.56%.
  • Return on assets 1.28%.
  • Efficiency ratio 64.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.93% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Interstate Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 11.7% in tier
  • - Capital Thin: Bottom 28.7% in tier
  • - Cost Spiral: Bottom 73.9% in tier
  • - Delinquency Rate 2.65% above tier average
  • - Nonperforming Asset Ratio 1.06% above tier average
  • - Net Interest Margin 0.68% below tier average
Get updates when Interstate Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $288.4M
+4.8% YoY -1.3% QoQ
-$98.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $139.8M
-10.8% YoY +1.2% QoQ
-$118.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $269.1M
+4.2% YoY -1.6% QoQ
-$57.6M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.28%
-36.4% YoY -0.8% QoQ
-0.04% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.31%
-10.2% YoY +1.9% QoQ
-0.68% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 64.52%
+29.8% YoY +3.0% QoQ
+0.04% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 3.56%
+123.2% YoY -17.1% QoQ
+2.65% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 4.3% in tier
Loan-to-Deposit Ratio ? 51.93%
-14.4% YoY +2.9% QoQ
-26.02% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 9.6% in tier
Non-Interest-Bearing Deposit Share ? 11.77%
-6.1% YoY +1.8% QoQ
-10.26% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 14.0% in tier
Nonperforming Asset Ratio ? 1.73%
+89.9% YoY -15.0% QoQ
+1.06% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 9.6% in tier
Tier 1 Capital Ratio ? 9.36%
-6.5% YoY +0.7% QoQ
-6.55% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 3.6% in tier
Non-Interest Income / Assets ? 0.27%
-8.2% YoY +122.9% QoQ
-0.30% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
66%

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 11.8%
-0.8pp YoY
+0.2pp QoQ
 -10.4pp 22.1% 29.2% 22.2% 14%
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 36.6%
-2.4pp YoY
+1.6pp QoQ
 +25.1pp 11.6% 14.8% 12.5% 98%
CRE 40.7%
+1.4pp YoY
+0.1pp QoQ
 +1.2pp 39.5% 48.4% 41.4% 54%
1-4 Family 7.1%
-0.7pp YoY
-0.3pp QoQ
 -25.6pp 32.6% 25.8% 31.3% 7%
Consumer 2.5%
+0.4pp YoY
-0.1pp QoQ
 -1.6pp 4.1% 4.7% 5.0% 54%

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 9.4%
-0.7pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 12.6% 12.6% 18%
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 ($) $8.7M
+4.8% YoY
+1.7% QoQ
 +$1.2M $7.5M $10.1M $8.8M 77%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 3.6%
+2.0pp YoY
-0.7pp QoQ
 +2.6pp 0.9% 1.0% 1.0% 96%
Allowance Coverage 0.75x
-12.6% YoY
+115.8% QoQ
 -23.40x 24.15x 18.82x 20.23x 19%
Net Charge-off Rate (YTD) -2.5%
-2.6pp YoY
-2.2pp QoQ
 -2.7pp 0.1% 0.1% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 20.3%
-16.0pp YoY
-0.3pp QoQ
 +8.1pp 12.2% 13.2% 11.6% 89%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 40%
Net Income ($, YTD) $1.8M
-34.8% YoY
— QoQ
 -$724K $2.6M $15.9M $40.4M 49%

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
#37 of 307 • Bottom 11.7% 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: 1.28%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Capital Thin

risk
#191 of 661 • Bottom 28.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.36%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Cost Spiral

risk
#103 of 138 • Bottom 73.9% 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: 64.52%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

256
Loan-to-Deposit Ratio
liquidity
Value: 51.93%
Peer Median: 77.95%
#256 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (5 metrics)

2549
Tier 1 Capital Ratio
capital
Value: 9.36%
Peer Median: 15.91%
#2549 of 2643 Bottom 3.6% in $100M-$1B
2520
Delinquency Rate
credit_quality
Value: 3.56%
Peer Median: 0.92%
#2520 of 2633 Bottom 4.3% in $100M-$1B
2390
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.67%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2274
Non-Interest-Bearing Deposit Share
funding
Value: 11.77%
Peer Median: 22.03%
#2274 of 2643 Bottom 14.0% in $100M-$1B
2117
Net Interest Margin
profitability
Value: 3.31%
Peer Median: 3.99%
#2117 of 2643 Bottom 19.9% in $100M-$1B
Powered by BlastPoint © 2026