BlastPoint's Banking Scorecard
Angelina Savings Bank, SSB
Designations: ✓ Community bank
Lufkin, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +5.1% year over year ($76.7M on the books).
- Delinquency rate 0.16%.
- Return on assets 1.01%.
- Efficiency ratio 73.65% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.28% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Angelina Savings Bank, SSB shows strong momentum with 3 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio 45.74% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.9M
+5.7% YoY
+2.5% QoQ
|
+$24.5M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$46.2M
+24.3% YoY
+3.4% QoQ
|
+$11.3M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$76.7M
+5.1% YoY
+2.5% QoQ
|
+$25.1M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 13.8% in tier |
| Return on Assets ? |
1.01%
-5.2% YoY
+3.9% QoQ
|
+0.02% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.71%
-4.9% YoY
+0.4% QoQ
|
+0.79% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
73.65%
-1.2% YoY
-0.0% QoQ
|
-45.74% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.16%
-45.6% YoY
-13.9% QoQ
|
-1.32% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
60.28%
+18.2% YoY
+0.9% QoQ
|
-13.93% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.00%
+2.4% YoY
+2.6% QoQ
|
+0.52% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.08%
-36.1% YoY
-13.2% QoQ
|
-0.75% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
26.61%
-4.6% YoY
+0.5% QoQ
|
-0.52% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.43%
-2.5% YoY
+102.6% QoQ
|
-0.95% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 10.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.0%
+0.6pp YoY +0.6pp QoQ |
-0.6pp | 24.6% | 29.2% | 22.2% | 50% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
16.3%
+4.9pp YoY +0.1pp QoQ |
+2.9pp | 13.4% | 14.8% | 12.5% | 72% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
49.9%
+8.4pp YoY +3.9pp QoQ |
+15.0pp | 35.0% | 25.8% | 31.3% | 71% |
| Consumer |
11.7%
-7.8pp YoY -1.4pp QoQ |
+4.0pp | 7.7% | 4.7% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
26.6%
-1.3pp YoY +0.1pp QoQ |
-12.1pp | 38.7% | 22.7% | 19.7% | 66% |
| Leverage Ratio |
11.4%
+0.6pp YoY +0.1pp QoQ |
-6.2pp | 17.7% | 12.6% | 12.6% | 34% |
| Total Capital Ratio |
27.9%
-1.3pp YoY +0.1pp QoQ |
-11.8pp | 39.7% | 23.8% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-1 (-5.0%) YoY 0 QoQ |
+7 | 12 | 186 | 482 | 87% |
| Assets per Employee ($) |
$4.6M
+11.3% YoY +2.5% QoQ |
-$1.6M | $6.2M | $10.1M | $8.8M | 29% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 18% |
| Allowance Coverage |
9.89x
+74.5% YoY +14.9% QoQ |
+3.48x | 6.41x | 18.82x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.2pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
-1.1pp YoY +0.3pp QoQ |
+2.7pp | 6.4% | 13.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$435,000
+0.5% YoY — QoQ |
+$117K | $317,817 | $15.9M | $40.4M | 67% |
Get Full Access to Angelina Savings Bank, SSB
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.