BlastPoint's Banking Scorecard

Bank19

$100M-$1B Specialty: Other TX FDIC cert 3335

Memphis, TX

3 branches across TX · CO

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

Bank19 has 5 strengths but faces 4 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

+ Credit Quality Leader: Top 45.2% in tier
+ Deposit Franchise: Top 54.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.08% above tier average
+ Efficiency Ratio 2.79% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.9% in tier
- Margin Compression: Bottom 57.4% in tier
- Cost Spiral: Bottom 72.2% in tier
- Non-Interest Income / Assets 0.25% below tier average

Get updates when Bank19 releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$146.3M +101.9% YoY +8.9% QoQ	-$239.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 13.4% in tier
Total Loans ?	$69.5M +60.2% YoY +24.2% QoQ	-$186.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 7.4% in tier
Total Deposits ?	$121.0M +94.3% YoY +10.5% QoQ	-$207.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 12.1% in tier
Return on Assets ?	1.35% -50.0% YoY -21.2% QoQ	+0.08%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	4.36% -12.3% YoY +40.1% QoQ	+0.43%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	62.50% +35.3% YoY +45.8% QoQ	-2.79%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	52%
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 ?	57.45% -17.6% YoY +12.5% QoQ	-19.19%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	59.88% +120.9% YoY -4.3% QoQ	+37.86%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 0.5% 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 ?	31.29% +62.5% YoY -2.9% QoQ	+15.46%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 3.3% in tier
Non-Interest Income / Assets ?	0.03% -40.8% YoY -6.2% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 9.8% 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

#301 of 664 • Top 45.2% 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

Deposit Franchise

growth

#148 of 272 • Top 54.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 59.88%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.36%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (3)

Liquidity Overhang

risk

#163 of 739 • Bottom 21.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 31.29%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 57.45%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Margin Compression

decline

#176 of 305 • Bottom 57.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.35%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Cost Spiral

risk

#92 of 126 • Bottom 72.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 62.50%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (6 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

Non-Interest-Bearing Deposit Share

funding

Value: 59.88%

Peer Median: 22.02%

#15 of 2664 Top 0.5% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 31.29%

Peer Median: 15.83%

#89 of 2664 Top 3.3% in $100M-$1B

431

Loan-to-Deposit Ratio

liquidity

Value: 57.45%

Peer Median: 76.64%

#431 of 2664 Top 16.1% in $100M-$1B

630

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.93%

#630 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (4 metrics)

2469

Total Loans

size

Value: $69.50M

Peer Median: $255.72M

#2469 of 2664 Bottom 7.4% in $100M-$1B

2403

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2403 of 2664 Bottom 9.8% in $100M-$1B

2342

Total Deposits

size

Value: $120.97M

Peer Median: $327.97M

#2342 of 2664 Bottom 12.1% in $100M-$1B

2309

Total Assets

size

Value: $146.29M

Peer Median: $386.08M

#2309 of 2664 Bottom 13.4% in $100M-$1B