BlastPoint's Banking Scorecard

Fayette Savings Bank, SSB

$100M-$1B Specialty: Other TX FDIC cert 31936

La Grange, TX

5 branches across TX

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

Fayette Savings Bank, SSB has 3 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

+ Credit Quality Leader: Top 25.9% in tier
+ ROA 0.60% above tier average
+ Efficiency Ratio 15.42% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 15.41% below tier average
- Net Interest Margin 0.30% below tier average

Get updates when Fayette Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$533.1M +12.8% YoY +7.5% QoQ	+$147.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$402.8M +10.5% YoY +1.2% QoQ	+$147.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$480.3M +12.3% YoY +7.7% QoQ	+$152.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.87% +21.0% YoY +13.4% QoQ	+0.60%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	3.63% +12.6% YoY +6.1% QoQ	-0.30%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	49.86% -6.7% YoY -2.1% QoQ	-15.42%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.01% -14.8% YoY -7.0% QoQ	-0.88%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 13.4% in tier
Loan-to-Deposit Ratio ?	83.86% -1.6% YoY -6.0% QoQ	+7.22%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	6.61% +3.7% YoY -2.1% QoQ	-15.41%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 5.3% in tier
Nonperforming Asset Ratio ?	0.01% -16.6% YoY -93.5% QoQ	-0.63%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 12.6% in tier
Tier 1 Capital Ratio ?	10.74% -35.1% YoY -0.6% QoQ	-5.09%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% +15.8% YoY -70.7% QoQ	-0.23%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	20%

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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 (1)

Credit Quality Leader

growth

#173 of 664 • Top 25.9% in tier

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

Why this signature

Delinquency Rate: 0.01%

(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 (0)

No matched concern signatures this quarter

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 (6 metrics)

337

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#337 of 2664 Top 12.6% in $100M-$1B

357

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#357 of 2654 Top 13.4% in $100M-$1B

418

Efficiency Ratio

profitability

Value: 49.86%

Peer Median: 65.29%

#418 of 2664 Top 15.7% in $100M-$1B

435

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#435 of 2664 Top 16.3% in $100M-$1B

542

Total Loans

size

Value: $402.79M

Peer Median: $255.72M

#542 of 2664 Top 20.3% in $100M-$1B

598

Total Deposits

size

Value: $480.29M

Peer Median: $327.97M

#598 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (3 metrics)

2524

Non-Interest-Bearing Deposit Share

funding

Value: 6.61%

Peer Median: 22.02%

#2524 of 2664 Bottom 5.3% in $100M-$1B

2137

Tier 1 Capital Ratio

capital

Value: 10.74%

Peer Median: 15.83%

#2137 of 2664 Bottom 19.8% in $100M-$1B

2131

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2131 of 2664 Bottom 20.0% in $100M-$1B