BlastPoint's Banking Scorecard

Mason Bank

$100M-$1B Specialty: Other TX FDIC cert 3327

Mason, TX

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

Mason Bank has 4 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

+ Non-Interest-Bearing Deposit Share 13.35% above tier average
+ ROA 0.28% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 10.33% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.74% above tier average
- Nonperforming Asset Ratio 1.19% above tier average

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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 ?	$151.3M +9.9% YoY +5.0% QoQ	-$234.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 14.6% in tier
Total Loans ?	$67.4M +3.0% YoY -0.1% QoQ	-$188.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 6.6% in tier
Total Deposits ?	$127.4M +11.1% YoY +5.7% QoQ	-$200.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 14.4% in tier
Return on Assets ?	1.55% +5.3% YoY +4.9% QoQ	+0.28%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.32% +10.6% YoY +5.6% QoQ	+0.39%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	54.95% -4.2% YoY -6.7% QoQ	-10.33%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	3.63% +58.3% YoY +24.3% QoQ	+2.74%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 4.0% in tier
Loan-to-Deposit Ratio ?	52.87% -7.2% YoY -5.5% QoQ	-23.76%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 11.9% in tier
Non-Interest-Bearing Deposit Share ?	35.37% +9.6% YoY +4.6% QoQ	+13.35%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	1.83% +38.3% YoY +15.1% QoQ	+1.19%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	19.63% -3.3% YoY -2.1% QoQ	+3.80%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 14.3% in tier
Non-Interest Income / Assets ?	0.06% -16.9% YoY -75.4% QoQ	-0.22%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	28%

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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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

253

Non-Interest-Bearing Deposit Share

funding

Value: 35.37%

Peer Median: 22.02%

#253 of 2664 Top 9.5% in $100M-$1B

317

Loan-to-Deposit Ratio

liquidity

Value: 52.87%

Peer Median: 76.64%

#317 of 2664 Top 11.9% in $100M-$1B

381

Tier 1 Capital Ratio

capital

Value: 19.63%

Peer Median: 15.83%

#381 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (5 metrics)

2548

Delinquency Rate

credit_quality

Value: 3.63%

Peer Median: 0.89%

#2548 of 2654 Bottom 4.0% in $100M-$1B

2488

Total Loans

size

Value: $67.38M

Peer Median: $255.72M

#2488 of 2664 Bottom 6.6% in $100M-$1B

2452

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.64%

#2452 of 2664 Bottom 8.0% in $100M-$1B

2281

Total Deposits

size

Value: $127.44M

Peer Median: $327.97M

#2281 of 2664 Bottom 14.4% in $100M-$1B

2277

Total Assets

size

Value: $151.27M

Peer Median: $386.08M

#2277 of 2664 Bottom 14.6% in $100M-$1B