BlastPoint's Banking Scorecard
Ozona Bank
Ozona, TX
7 branches across TX
Ozona Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 25.37% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 27.5% in tier
- - Delinquency Rate 6.31% above tier average
- - Nonperforming Asset Ratio 2.81% above tier average
- - ROA 0.73% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.8M
+8.2% YoY
+5.8% QoQ
|
-$40.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$158.5M
+17.1% YoY
+1.7% QoQ
|
-$97.2M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$277.9M
-0.6% YoY
+1.4% QoQ
|
-$50.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.54%
-18.7% YoY
-27.9% QoQ
|
-0.73% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.9% in tier |
| Net Interest Margin ? |
3.90%
+0.2% YoY
-5.2% QoQ
|
-0.03% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
86.87%
+3.3% YoY
+6.2% QoQ
|
+21.58% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate ? |
7.20%
+14.4% QoQ
|
+6.31% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.7% in tier |
| Loan-to-Deposit Ratio ? |
57.05%
+17.9% YoY
+0.3% QoQ
|
-19.59% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
47.39%
+2.2% YoY
+6.3% QoQ
|
+25.37% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 2.2% in tier |
| Nonperforming Asset Ratio ? |
3.44%
+9.2% QoQ
|
+2.81% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.1% in tier |
| Tier 1 Capital Ratio ? |
22.19%
-3.7% YoY
+2.2% QoQ
|
+6.36% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 9.7% in tier |
| Non-Interest Income / Assets ? |
0.16%
-1.4% YoY
-76.3% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
78% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.