BlastPoint's Banking Scorecard
Susser Bank
Dallas, TX
11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +13.9% year over year ($2.7B on the books).
- Delinquency rate 0.42%.
- Return on assets 0.92%.
- Efficiency ratio 61.62% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.12% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Susser Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 1.89% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+13.9% YoY
+3.0% QoQ
|
+$197.1M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$2.2B
+12.8% YoY
+4.3% QoQ
|
+$223.1M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$2.7B
+13.9% YoY
+3.3% QoQ
|
+$343.5M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
0.92%
+22.1% YoY
-7.4% QoQ
|
-0.47% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.63%
-3.4% YoY
+1.5% QoQ
|
-0.24% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
61.62%
+2.5% YoY
-0.9% QoQ
|
+1.89% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.42%
-57.0% YoY
-28.0% QoQ
|
-0.44% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
82.12%
-1.0% YoY
+1.0% QoQ
|
-2.92% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
18.01%
+7.7% YoY
+5.5% QoQ
|
-3.27% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.31%
-63.9% YoY
-27.1% QoQ
|
-0.36% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.65%
+3.4% YoY
-3.4% QoQ
|
-3.19% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.13%
+2.3% YoY
+121.9% QoQ
|
-0.40% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.9% in tier |
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 |
18.0%
+1.3pp YoY +0.9pp QoQ |
-3.4pp | 21.4% | 29.2% | 22.2% | 40% |
| Brokered Deposits |
6.4%
+4.1pp YoY -0.3pp QoQ |
-3.0pp | 9.5% | 8.0% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
29.2%
-8.4pp YoY -0.1pp QoQ |
+15.2pp | 14.0% | 14.8% | 12.5% | 91% |
| CRE |
43.9%
-1.3pp YoY -0.4pp QoQ |
-6.1pp | 50.0% | 48.4% | 41.4% | 33% |
| 1-4 Family |
18.1%
+0.5pp YoY -0.4pp QoQ |
-8.4pp | 26.4% | 25.8% | 31.3% | 38% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-4.4pp | 4.7% | 4.7% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.7%
+0.4pp YoY -0.4pp QoQ |
-3.9pp | 15.6% | 22.7% | 19.7% | 18% |
| Leverage Ratio |
10.1%
+0.3pp YoY +0.4pp QoQ |
-1.2pp | 11.3% | 12.6% | 12.6% | 39% |
| Total Capital Ratio |
12.9%
+0.4pp YoY -0.4pp QoQ |
-3.8pp | 16.7% | 23.8% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
266
+13 (+5.1%) YoY +13 (+5.1%) QoQ |
-48 | 313 | 186 | 482 | 58% |
| Assets per Employee ($) |
$11.2M
+8.3% YoY -2.0% QoQ |
+$760K | $10.5M | $10.1M | $8.8M | 74% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 12 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.6pp YoY -0.2pp QoQ |
-0.4pp | 0.8% | 1.0% | 1.0% | 42% |
| Allowance Coverage |
3.22x
+144.1% YoY +45.4% QoQ |
-15.49x | 18.71x | 18.82x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.0%
-0.5pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.0%
+1.8pp YoY -0.7pp QoQ |
-3.6pp | 12.6% | 13.2% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.3%
-0.5pp YoY -0.1pp QoQ |
+0.4pp | 1.9% | 1.6% | 1.7% | 77% |
| Net Income ($, YTD) |
$13.5M
+39.1% YoY — QoQ |
-$5.7M | $19.2M | $15.9M | $40.4M | 55% |
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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.