BlastPoint's Banking Scorecard

Greater State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 31762

Mcallen, TX

6 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Greater State Bank has 2 strengths but faces 2 concerns

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

+ Deposit Franchise: Top 18.0% in tier
+ Credit Quality Leader: Top 19.9% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 36.4% in tier
- Cost Spiral: Bottom 80.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$180.9M +4.8% YoY +2.1% QoQ	-$205.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$137.9M +14.6% YoY +3.7% QoQ	-$117.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$160.1M +4.0% YoY +2.1% QoQ	-$167.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	1.22% -16.0% YoY -10.2% QoQ	-0.05%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	5.96% +14.5% YoY +4.4% QoQ	+2.03%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 1.5% in tier
Efficiency Ratio ?	73.12% +10.8% YoY +2.9% QoQ	+7.83%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.03% -19.8% YoY +5.9% QoQ	-0.85%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	86.12% +10.2% YoY +1.5% QoQ	+9.48%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	36.00% -3.5% YoY -1.6% QoQ	+13.98%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 8.9% in tier
Nonperforming Asset Ratio ?	0.02% -12.4% YoY +7.5% QoQ	-0.61%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	14.38% -7.0% YoY +0.6% QoQ	-1.45%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.20% +5.2% YoY -75.1% QoQ	-0.08%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 14.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Deposit Franchise

growth

#50 of 272 • Top 18.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.96%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#133 of 664 • Top 19.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline

#112 of 305 • Bottom 36.4% 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: 1.22%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#102 of 126 • Bottom 80.2% 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: 73.12%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.96%

Peer Median: 3.93%

#42 of 2664 Top 1.5% in $100M-$1B

238

Non-Interest-Bearing Deposit Share

funding

Value: 36.00%

Peer Median: 22.02%

#238 of 2664 Top 8.9% in $100M-$1B

396

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#396 of 2664 Top 14.8% in $100M-$1B

471

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#471 of 2664 Top 17.6% in $100M-$1B

477

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#477 of 2654 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2084

Total Assets

size

Value: $180.89M

Peer Median: $386.08M

#2084 of 2664 Bottom 21.8% in $100M-$1B

2031

Total Deposits

size

Value: $160.15M

Peer Median: $327.97M

#2031 of 2664 Bottom 23.8% in $100M-$1B