BlastPoint's Banking Scorecard
Mason Bank
Mason, 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 +5.2% year over year ($122.3M on the books).
- Delinquency rate 2.49%.
- Return on assets 1.54%.
- Efficiency ratio 55.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mason Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 9.18% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.5M
+7.3% YoY
-2.5% QoQ
|
-$239.1M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.3% in tier |
| Total Loans ? |
$68.3M
+4.9% YoY
+1.4% QoQ
|
-$190.0M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$122.3M
+5.2% YoY
-4.0% QoQ
|
-$204.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.8% in tier |
| Return on Assets ? |
1.54%
+6.8% YoY
-1.0% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
4.30%
+8.7% YoY
-0.5% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
55.30%
-5.8% YoY
+0.6% QoQ
|
-9.18% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
2.49%
-27.8% YoY
-31.2% QoQ
|
+1.58% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
55.89%
-0.3% YoY
+5.7% QoQ
|
-22.06% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.85%
+4.9% YoY
-4.3% QoQ
|
+11.82% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 11.0% in tier |
| Nonperforming Asset Ratio ? |
1.37%
-26.6% YoY
-24.9% QoQ
|
+0.70% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.7% in tier |
| Tier 1 Capital Ratio ? |
19.86%
-3.3% YoY
+1.2% QoQ
|
+3.95% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 14.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
-5.8% YoY
+111.6% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
33.9%
+1.6pp YoY -1.5pp QoQ |
+11.7pp | 22.1% | 29.2% | 22.2% | 89% |
| 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 |
17.3%
+0.4pp YoY -0.2pp QoQ |
+5.7pp | 11.6% | 14.8% | 12.5% | 83% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
22.9%
+2.6pp YoY +0.5pp QoQ |
-9.7pp | 32.6% | 25.8% | 31.3% | 36% |
| Consumer |
27.1%
-1.3pp YoY -0.2pp QoQ |
+23.0pp | 4.1% | 4.7% | 5.0% | 99% |
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 |
19.9%
-0.7pp YoY +0.2pp QoQ |
+7.7pp | 12.2% | 12.6% | 12.6% | 96% |
| 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 |
19
+1 (+5.6%) YoY -1 (-5.0%) QoQ |
-40 | 58 | 186 | 482 | 9% |
| Assets per Employee ($) |
$7.8M
+1.7% YoY +2.6% QoQ |
+$245K | $7.5M | $10.1M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
-1.4pp YoY -2.0pp QoQ |
+0.4pp | 0.3% | 0.3% | 0.4% | 88% |
| Nonaccrual |
1.7%
+0.4pp YoY +0.9pp QoQ |
+0.8pp | 0.9% | 1.0% | 1.0% | 84% |
| Allowance Coverage |
0.72x
+72.8% YoY +55.7% QoQ |
-23.43x | 24.15x | 18.82x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.1%
-0.4pp YoY |
0.0pp | 0.1% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-0.2pp YoY -0.1pp QoQ |
-2.5pp | 12.2% | 13.2% | 11.6% | 35% |
| Cost of Funds (YTD) |
0.9%
-0.3pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 7% |
| Net Income ($, YTD) |
$1.1M
+14.1% YoY — QoQ |
-$1.4M | $2.6M | $15.9M | $40.4M | 31% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.