BlastPoint's Banking Scorecard

Worthington Bank

$100M-$1B Specialty: Commercial TX FDIC cert 57414

Arlington, TX

5 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 +11.1% year over year ($589.4M on the books).
Delinquency rate 0.16%.
Return on assets 1.16%.
Efficiency ratio 60.19% vs a 64.48% peer average.
Loan-to-deposit ratio 83.32% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Worthington Bank has 3 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

+ Net Interest Margin 0.29% above tier average
+ Efficiency Ratio 4.29% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 14.0% in tier
- Credit Quality Pressure: Bottom 24.6% in tier
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.16% below tier average

Get updates when Worthington Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$655.4M +11.6% YoY +0.7% QoQ	+$268.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$491.1M +3.3% YoY +0.8% QoQ	+$232.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 12.3% in tier
Total Deposits ?	$589.4M +11.1% YoY +0.4% QoQ	+$262.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 12.9% in tier
Return on Assets ?	1.16% +21.7% YoY -2.7% QoQ	-0.16%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	4.28% +7.6% YoY +0.8% QoQ	+0.29%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	60.19% -8.3% YoY +1.2% QoQ	-4.29%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	0.16% -50.4% QoQ	-0.76%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	83.32% -7.0% YoY +0.4% QoQ	+5.37%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	33.84% -6.1% YoY -0.8% QoQ	+11.81%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 11.0% in tier
Nonperforming Asset Ratio ?	0.12% -50.4% QoQ	-0.55%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	12.56% +12.5% YoY +2.4% QoQ	-3.35%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.06% -17.6% YoY +97.1% QoQ	-0.51%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 6.9% in tier

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	33.8% -2.2pp YoY -0.3pp 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	11.7% -1.4pp YoY -0.6pp QoQ	+0.1pp	11.6%	14.8%	12.5%	62%
CRE	59.2% +3.4pp YoY +1.6pp QoQ	+19.7pp	39.5%	48.4%	41.4%	83%
1-4 Family	26.6% -2.1pp YoY -0.4pp QoQ	-6.0pp	32.6%	25.8%	31.3%	44%
Consumer	1.5% 0.0pp YoY +0.1pp QoQ	-2.7pp	4.1%	4.7%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	12.6% +1.4pp YoY +0.3pp QoQ	-6.3pp	18.8%	22.7%	19.7%	23%
Leverage Ratio	9.3% +0.6pp YoY -0.1pp QoQ	-2.9pp	12.2%	12.6%	12.6%	17%
Total Capital Ratio	13.6% +1.5pp YoY +0.3pp QoQ	-6.3pp	19.9%	23.8%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	80 +7 (+9.6%) YoY +6 (+8.1%) QoQ	+21	58	186	482	77%
Assets per Employee ($)	$8.2M +1.8% YoY -6.9% QoQ	+$675K	$7.5M	$10.1M	$8.8M	70%
Branch Count	5 0 YoY 0 QoQ	0	4	12	18	55%

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	0.2% +0.2pp YoY -0.2pp QoQ	-0.8pp	0.9%	1.0%	1.0%	26%
Allowance Coverage	6.56x -99.3% YoY +112.8% QoQ	-17.59x	24.15x	18.82x	20.23x	76%
Net Charge-off Rate (YTD)	0.0%	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.2% +1.1pp YoY -0.4pp QoQ	0.0pp	12.2%	13.2%	11.6%	51%
Cost of Funds (YTD)	1.6% -0.5pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	46%
Net Income ($, YTD)	$3.7M +27.1% YoY — QoQ	+$1.2M	$2.6M	$15.9M	$40.4M	78%

Get Full Access to Worthington Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#132 of 936 • Bottom 14.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#310 of 1256 • Bottom 24.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

293

Non-Interest-Bearing Deposit Share

funding

Value: 33.84%

Peer Median: 22.03%

#293 of 2643 Top 11.0% in $100M-$1B

327

Total Loans

size

Value: $491.08M

Peer Median: $258.35M

#327 of 2643 Top 12.3% in $100M-$1B

342

Total Deposits

size

Value: $589.40M

Peer Median: $326.73M

#342 of 2643 Top 12.9% in $100M-$1B

404

Total Assets

size

Value: $655.44M

Peer Median: $386.57M

#404 of 2643 Top 15.2% in $100M-$1B

Top Weaknesses (1 metrics)

2461

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2461 of 2643 Bottom 6.9% in $100M-$1B