BlastPoint's Banking Scorecard

Big Bend Banks, N.A.

$100M-$1B Specialty: Other TX FDIC cert 3320

Marfa, TX

2 branches across TX

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

Big Bend Banks, N.A. has 6 strengths but faces 1 concern

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 45.0% in tier
+ Revenue Diversifier: Top 47.1% in tier
+ Non-Interest-Bearing Deposit Share 28.27% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.33% above tier average
+ Efficiency Ratio 3.13% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.27% below tier average

Get updates when Big Bend Banks, N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$166.1M +6.2% YoY -1.9% QoQ	-$219.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$20.9M +4.6% YoY +1.0% QoQ	-$234.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 0.6% in tier
Total Deposits ?	$143.0M +4.4% YoY -2.0% QoQ	-$185.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.59% +19.7% YoY +2.5% QoQ	+0.33%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.67% +4.7% YoY +1.1% QoQ	-0.27%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	62.15% -8.1% YoY -1.5% QoQ	-3.13%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	14.60% +0.2% YoY +3.1% QoQ	-62.04%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 0.7% in tier
Non-Interest-Bearing Deposit Share ?	50.29% +2.2% YoY +2.3% QoQ	+28.27%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.25% +0.8% YoY -0.0% QoQ	-0.58%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.21% -4.4% YoY -74.4% QoQ	-0.07%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 12.7% 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 (2)

Credit Quality Leader

growth

#300 of 664 • Top 45.0% in tier

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

Why this signature

Delinquency Rate: 0.00%

(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

Revenue Diversifier

growth

#315 of 666 • Top 47.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.59%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 14.60%

Peer Median: 76.64%

#19 of 2664 Top 0.7% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 50.29%

Peer Median: 22.02%

#41 of 2664 Top 1.5% in $100M-$1B

338

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#338 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (3 metrics)

2648

Total Loans

size

Value: $20.87M

Peer Median: $255.72M

#2648 of 2664 Bottom 0.6% in $100M-$1B

2174

Total Assets

size

Value: $166.15M

Peer Median: $386.08M

#2174 of 2664 Bottom 18.4% in $100M-$1B

2158

Total Deposits

size

Value: $142.96M

Peer Median: $327.97M

#2158 of 2664 Bottom 19.0% in $100M-$1B