BlastPoint's Banking Scorecard

Fayette Savings Bank, SSB

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

La Grange, TX

5 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 +17.3% year over year ($495.2M on the books).
Delinquency rate 0.01%.
Return on assets 1.88%.
Efficiency ratio 49.56% vs a 64.48% peer average.
Loan-to-deposit ratio 85.26% 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) →

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

+ Profitability Leader: Top 45.8% in tier
+ Efficiency Ratio 14.92% below tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 15.22% below tier average
- Net Interest Margin 0.36% below tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$551.8M +17.7% YoY +3.5% QoQ	+$165.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$422.2M +12.6% YoY +4.8% QoQ	+$163.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$495.2M +17.3% YoY +3.1% QoQ	+$168.5M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.88% +19.7% YoY +0.9% QoQ	+0.56%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.63% +9.6% YoY -0.2% QoQ	-0.36%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	49.56% -6.6% YoY -0.6% QoQ	-14.92%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.01% -95.0% YoY -4.6% QoQ	-0.91%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 13.6% in tier
Loan-to-Deposit Ratio ?	85.26% -4.1% YoY +1.7% QoQ	+7.31%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	6.81% -5.1% YoY +3.1% QoQ	-15.22%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 5.6% in tier
Nonperforming Asset Ratio ?	0.01% -95.2% YoY -3.4% QoQ	-0.66%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 12.8% in tier
Tier 1 Capital Ratio ?	10.95% -34.2% YoY +1.9% QoQ	-4.96%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.11% +39.1% YoY +112.7% QoQ	-0.46%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	21%

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	6.8% -0.4pp YoY +0.2pp QoQ	-15.3pp	22.1%	29.2%	22.2%	5%
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	1.6% -0.2pp YoY 0.0pp QoQ	-10.0pp	11.6%	14.8%	12.5%	5%
CRE	23.5% +1.8pp YoY -1.1pp QoQ	-16.0pp	39.5%	48.4%	41.4%	24%
1-4 Family	58.3% +1.1pp YoY +1.6pp QoQ	+25.6pp	32.6%	25.8%	31.3%	88%
Consumer	1.8% 0.0pp YoY 0.0pp QoQ	-2.3pp	4.1%	4.7%	5.0%	45%

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	11.0% 0.0pp YoY +0.2pp QoQ	-1.2pp	12.2%	12.6%	12.6%	49%
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	45 +5 (+12.5%) YoY +2 (+4.7%) QoQ	-14	58	186	482	47%
Assets per Employee ($)	$12.3M +4.6% YoY -1.1% QoQ	+$4.7M	$7.5M	$10.1M	$8.8M	93%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	12	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	15%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	110.56x +1936.1% YoY +2.2% QoQ	+86.41x	24.15x	18.82x	20.23x	97%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	19.3% +2.4pp YoY 0.0pp QoQ	+7.1pp	12.2%	13.2%	11.6%	86%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	81%
Net Income ($, YTD)	$5.0M +35.7% YoY — QoQ	+$2.4M	$2.6M	$15.9M	$40.4M	87%

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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)

Profitability Leader

growth

#304 of 661 • Top 45.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.88%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

338

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#338 of 2643 Top 12.8% in $100M-$1B

359

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#359 of 2633 Top 13.6% in $100M-$1B

425

Efficiency Ratio

profitability

Value: 49.56%

Peer Median: 64.48%

#425 of 2643 Top 16.0% in $100M-$1B

436

Return on Assets

profitability

Value: 1.88%

Peer Median: 1.32%

#436 of 2643 Top 16.5% in $100M-$1B

498

Total Loans

size

Value: $422.20M

Peer Median: $258.35M

#498 of 2643 Top 18.8% in $100M-$1B

549

Total Deposits

size

Value: $495.19M

Peer Median: $326.73M

#549 of 2643 Top 20.7% in $100M-$1B

626

Total Assets

size

Value: $551.83M

Peer Median: $386.57M

#626 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2495

Non-Interest-Bearing Deposit Share

funding

Value: 6.81%

Peer Median: 22.03%

#2495 of 2643 Bottom 5.6% in $100M-$1B

2077

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2077 of 2643 Bottom 21.5% in $100M-$1B

2048

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.91%

#2048 of 2643 Bottom 22.6% in $100M-$1B