BlastPoint's Banking Scorecard
Colonial Savings, F.A.
Fort Worth, TX
7 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 -58.1% year over year ($255.3M on the books).
- Delinquency rate 0.39%.
- Return on assets -2.41%.
- Efficiency ratio 192.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Colonial Savings, F.A. has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.7% in tier
- - Efficiency Drag: Bottom 10.0% in tier
- - NIB Deposit Bleed: Bottom 12.3% in tier
- - Liquidity Overhang: Bottom 40.2% in tier
- - Return on Assets 3.73% below tier average
- - Non-Interest Income / Assets 0.97% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$501.8M
-49.4% YoY
-4.9% QoQ
|
+$115.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$112.7M
-83.4% YoY
+5.0% QoQ
|
-$145.7M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$255.3M
-58.1% YoY
-6.4% QoQ
|
-$71.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
-2.41%
-622.4% YoY
+14.8% QoQ
|
-3.73% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.6% in tier |
| Net Interest Margin ? |
3.27%
+39.3% YoY
+0.1% QoQ
|
-0.71% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
192.24%
+115.4% YoY
-8.0% QoQ
|
+127.76% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate ? |
0.39%
-92.4% YoY
+11.8% QoQ
|
-0.53% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
44.13%
-60.4% YoY
+12.1% QoQ
|
-33.82% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 5.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.69%
-77.6% YoY
-8.7% QoQ
|
-9.34% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.09%
-97.5% YoY
+7.9% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
174.54%
+629.2% YoY
+0.1% QoQ
|
+158.63% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 0.2% in tier |
| Non-Interest Income / Assets ? |
-0.40%
-134.8% YoY
-123.7% QoQ
|
-0.97% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.1% 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 |
12.7%
-44.0pp YoY -1.2pp QoQ |
-9.5pp | 22.1% | 29.2% | 22.2% | 16% |
| 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 |
8.6%
+7.5pp YoY -1.0pp QoQ |
-2.9pp | 11.6% | 14.8% | 12.5% | 44% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
23.0%
-69.8pp YoY -1.7pp QoQ |
-9.6pp | 32.6% | 25.8% | 31.3% | 37% |
| Consumer |
1.5%
+1.3pp YoY -0.1pp 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 |
174.5%
+150.6pp YoY +0.1pp QoQ |
+155.7pp | 18.8% | 22.7% | 19.7% | 100% |
| Leverage Ratio |
46.1%
+31.5pp YoY +3.4pp QoQ |
+33.9pp | 12.2% | 12.6% | 12.6% | 99% |
| Total Capital Ratio |
175.7%
+150.3pp YoY +0.3pp QoQ |
+155.8pp | 19.9% | 23.8% | 20.8% | 100% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
-129 (-69.0%) YoY -58 (-50.0%) QoQ |
-1 | 58 | 186 | 482 | 61% |
| Assets per Employee ($) |
$8.7M
+63.2% YoY +90.1% QoQ |
+$1.1M | $7.5M | $10.1M | $8.8M | 76% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-4.7pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 46% |
| Allowance Coverage |
3.90x
+1578.8% YoY +0.7% QoQ |
-20.26x | 24.15x | 18.82x | 20.23x | 64% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.7%
-7.6pp YoY +1.3pp QoQ |
-17.9pp | 12.2% | 13.2% | 11.6% | 2% |
| Cost of Funds (YTD) |
1.0%
-0.7pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$-6836000.0
-393.8% YoY — QoQ |
-$9.4M | $2.6M | $15.9M | $40.4M | 0% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.