BlastPoint's Banking Scorecard

Angelina Savings Bank, SSB

under $100M Specialty: Other TX FDIC cert 32018

Designations: ✓ Community bank

Lufkin, TX

537 banks in the under $100M peer group nationally 37 in TX

Angelina Savings Bank, SSB demonstrates 4 strengths

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

+ ROA 0.12% above tier average
+ Net Interest Margin 0.82% above tier average
+ Efficiency Ratio 13.96% below tier average
+ Delinquency Rate 1.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$84.8M +4.9% YoY -1.3% QoQ	+$22.5M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	77%
Total Loans ?	$44.7M +19.8% YoY -0.9% QoQ	+$10.4M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	69%
Total Deposits ?	$74.8M +4.1% YoY -1.8% QoQ	+$23.0M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	82%
Return on Assets ?	0.98% -5.7% YoY -11.0% QoQ	+0.12%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	52%
Net Interest Margin ?	4.68% -5.6% YoY -3.7% QoQ	+0.82%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	73.67% -3.7% YoY +1.6% QoQ	-13.96%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	47%
Delinquency Rate ?	0.18% -43.9% YoY -8.1% QoQ	-1.18%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	59.75% +15.2% YoY +0.9% QoQ	-4.36%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	23.40% -4.1% YoY -5.4% QoQ	-0.38%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	51%
Nonperforming Asset Ratio ?	0.10% -35.9% YoY -7.7% QoQ	-0.68%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	60%
Tier 1 Capital Ratio ?	26.47% -2.1% YoY +3.7% QoQ	-0.30%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.21% -2.5% YoY -75.0% QoQ	-0.46%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	Top 11.0% 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 (0)

No matched strength signatures this quarter

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 537 peers in under $100M

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.67%

#60 of 537 Top 11.0% in under $100M

Total Deposits

size

Value: $74.82M

Peer Median: $51.83M

#96 of 537 Top 17.7% in under $100M

100

Net Interest Margin

profitability

Value: 4.68%

Peer Median: 3.87%

#100 of 537 Top 18.4% in under $100M

103

Tier 1 Capital Ratio

capital

Value: 26.47%

Peer Median: 26.77%

#103 of 537 Top 19.0% in under $100M

122

Total Assets

size

Value: $84.76M

Peer Median: $62.28M

#122 of 537 Top 22.5% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available