BlastPoint's Banking Scorecard
Ozona Bank
Ozona, TX
7 branches across 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 +4.1% year over year ($282.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.68%.
- Efficiency ratio 83.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ozona Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Non-Interest-Bearing Deposit Share 27.25% above tier average
- + Net Interest Margin 0.20% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency Ratio 19.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$346.1M
+8.6% YoY
+0.1% QoQ
|
-$40.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$176.3M
+30.3% YoY
+11.2% QoQ
|
-$82.0M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$282.8M
+4.1% YoY
+1.8% QoQ
|
-$43.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
0.68%
+124.2% YoY
+26.2% QoQ
|
-0.65% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
4.18%
+6.4% YoY
+7.2% QoQ
|
+0.20% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
83.67%
-2.2% YoY
-3.7% QoQ
|
+19.19% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
62.36%
+25.2% YoY
+9.3% QoQ
|
-15.60% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
49.28%
+5.0% YoY
+4.0% QoQ
|
+27.25% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-47.4% YoY
-95.8% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
20.11%
-13.4% YoY
-9.4% QoQ
|
+4.20% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 13.4% in tier |
| Non-Interest Income / Assets ? |
0.34%
-1.2% YoY
+106.7% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
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 |
49.3%
+2.4pp YoY +1.9pp QoQ |
+27.1pp | 22.1% | 29.2% | 22.2% | 98% |
| 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 |
18.5%
+5.3pp YoY -0.9pp QoQ |
+6.9pp | 11.6% | 14.8% | 12.5% | 85% |
| CRE |
60.4%
-0.4pp YoY +4.3pp QoQ |
+20.8pp | 39.5% | 48.4% | 41.4% | 85% |
| 1-4 Family |
17.6%
-4.4pp YoY -2.2pp QoQ |
-15.0pp | 32.6% | 25.8% | 31.3% | 25% |
| Consumer |
2.0%
0.0pp YoY +0.1pp QoQ |
-2.1pp | 4.1% | 4.7% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.1%
-3.1pp YoY -2.1pp QoQ |
+1.3pp | 18.8% | 22.7% | 19.7% | 78% |
| Leverage Ratio |
12.3%
-0.7pp YoY -0.2pp QoQ |
+0.1pp | 12.2% | 12.6% | 12.6% | 68% |
| Total Capital Ratio |
21.1%
-3.4pp YoY -2.2pp QoQ |
+1.2pp | 19.9% | 23.8% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
64
+3 (+4.9%) YoY -3 (-4.5%) QoQ |
+5 | 58 | 186 | 482 | 66% |
| Assets per Employee ($) |
$5.4M
+3.5% YoY +4.8% QoQ |
-$2.1M | $7.5M | $10.1M | $8.8M | 21% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 12 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.4pp YoY -6.1pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 37% |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
+3.5pp YoY +1.5pp QoQ |
-5.1pp | 12.2% | 13.2% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.0%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 12% |
| Net Income ($, YTD) |
$1.1M
+139.4% YoY — QoQ |
-$1.4M | $2.6M | $15.9M | $40.4M | 31% |
Get Full Access to Ozona Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.