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Greater State Bank

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

Mcallen, TX

6 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 +4.7% year over year ($159.3M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.26%.
  • Efficiency ratio 73.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.85% 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) →

Greater State Bank has 2 strengths but faces 3 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

  • + Credit Quality Leader: Top 8.3% in tier
  • + Deposit Franchise: Top 14.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.5% in tier
  • - ROA 0.06% below tier average
  • - Efficiency Ratio 8.90% above tier average
Get updates when Greater State 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 ? $180.2M
+5.4% YoY -0.4% QoQ
-$206.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $141.5M
+13.7% YoY +2.6% QoQ
-$116.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $159.3M
+4.7% YoY -0.6% QoQ
-$167.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.26%
-6.4% YoY +6.5% QoQ
-0.06% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 6.08%
+12.5% YoY +1.9% QoQ
+2.09% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 1.3% in tier
Efficiency Ratio ? 73.38%
+5.5% YoY +0.4% QoQ
+8.90% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.05%
+36.6% YoY +58.2% QoQ
-0.87% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 88.85%
+8.6% YoY +3.2% QoQ
+10.90% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 36.69%
+4.9% YoY +1.9% QoQ
+14.66% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 7.6% in tier
Nonperforming Asset Ratio ? 0.04%
+47.4% YoY +62.8% QoQ
-0.63% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 14.45%
-4.7% YoY +0.5% QoQ
-1.46% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.39%
+2.4% YoY +101.0% QoQ
-0.17% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
85%

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 36.7%
+1.7pp YoY
+0.7pp QoQ
 +14.5pp 22.1% 29.2% 22.2% 92%
Brokered Deposits 0.6%
0.0pp QoQ
 -7.3pp 7.9% 8.0% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 18.3%
-1.1pp YoY
-1.1pp QoQ
 +6.7pp 11.6% 14.8% 12.5% 85%
CRE 54.2%
+3.3pp YoY
+1.4pp QoQ
 +14.6pp 39.5% 48.4% 41.4% 76%
1-4 Family 20.6%
-1.1pp YoY
0.0pp QoQ
 -12.0pp 32.6% 25.8% 31.3% 31%
Consumer 1.0%
-0.5pp YoY
0.0pp QoQ
 -3.1pp 4.1% 4.7% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 14.4%
-0.7pp YoY
+0.1pp QoQ
 -4.4pp 18.8% 22.7% 19.7% 44%
Leverage Ratio 11.1%
+0.6pp YoY
+0.3pp QoQ
 -1.1pp 12.2% 12.6% 12.6% 52%
Total Capital Ratio 15.7%
-0.7pp YoY
+0.1pp QoQ
 -4.2pp 19.9% 23.8% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 52
+7 (+15.6%) YoY
-1 (-1.9%) QoQ
 -7 58 186 482 56%
Assets per Employee ($) $3.5M
-8.8% YoY
+1.5% QoQ
 -$4.1M $7.5M $10.1M $8.8M 2%
Branch Count 6
+1 (+20.0%) YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 39%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 20.38x
-35.4% YoY
-39.2% QoQ
 -3.77x 24.15x 18.82x 20.23x 88%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.8%
-1.9pp YoY
+0.5pp QoQ
 -0.4pp 12.2% 13.2% 11.6% 48%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 38%
Net Income ($, YTD) $1.1M
-3.1% YoY
— QoQ
 -$1.4M $2.6M $15.9M $40.4M 31%

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)

Credit Quality Leader

growth
#56 of 659 • Top 8.3% in tier

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

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#40 of 278 • Top 14.0% 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: 36.69%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.08%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#57 of 1256 • Bottom 4.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

35
Net Interest Margin
profitability
Value: 6.08%
Peer Median: 3.99%
#35 of 2643 Top 1.3% in $100M-$1B
201
Non-Interest-Bearing Deposit Share
funding
Value: 36.69%
Peer Median: 22.03%
#201 of 2643 Top 7.6% in $100M-$1B
407
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#407 of 2643 Top 15.4% in $100M-$1B
528
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#528 of 2643 Top 19.9% in $100M-$1B
559
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#559 of 2633 Top 21.2% in $100M-$1B

Top Weaknesses (3 metrics)

2081
Total Assets
size
Value: $180.24M
Peer Median: $386.57M
#2081 of 2643 Bottom 21.3% in $100M-$1B
2038
Efficiency Ratio
profitability
Value: 73.38%
Peer Median: 64.48%
#2038 of 2643 Bottom 22.9% in $100M-$1B
2017
Total Deposits
size
Value: $159.25M
Peer Median: $326.73M
#2017 of 2643 Bottom 23.7% in $100M-$1B
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