BlastPoint's Banking Scorecard

Tolleson Private Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 57522

Dallas, TX

2 branches across TX

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

Tolleson Private Bank has 5 strengths but faces 6 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

+ Revenue Diversifier: Top 19.4% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.19% above tier average
+ Efficiency Ratio 2.48% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.0% in tier
- Margin Compression: Bottom 14.1% in tier
- Cost Spiral: Bottom 30.2% in tier
- Deposit Outflow: Bottom 43.7% in tier
- Net Interest Margin 1.10% below tier average
- Non-Interest-Bearing Deposit Share 13.47% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$916.0M -4.1% YoY -9.4% QoQ	+$529.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 3.1% in tier
Total Loans ?	$752.4M +0.2% YoY +6.5% QoQ	+$496.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 1.1% in tier
Total Deposits ?	$818.0M -2.5% YoY -10.5% QoQ	+$490.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 1.8% in tier
Return on Assets ?	1.45% -22.2% YoY -1.5% QoQ	+0.19%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	2.83% +32.9% YoY +21.0% QoQ	-1.10%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 7.4% in tier
Efficiency Ratio ?	62.81% +10.4% YoY +1.3% QoQ	-2.48%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	91.98% +2.8% YoY +19.0% QoQ	+15.34%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	8.55% -4.1% YoY -4.5% QoQ	-13.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 8.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	14.40% +7.5% YoY -4.0% QoQ	-1.43%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.36% -33.0% YoY -75.9% QoQ	+0.08%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 5.2% 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 (1)

Revenue Diversifier

growth

#130 of 666 • Top 19.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.36%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Liquidity Strain

risk

#65 of 643 • Bottom 10.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.98%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Margin Compression

decline

#44 of 305 • Bottom 14.1% 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: 1.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#39 of 126 • Bottom 30.2% 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: 62.81%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Deposit Outflow

decline

#222 of 506 • Bottom 43.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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

Total Loans

size

Value: $752.39M

Peer Median: $255.72M

#30 of 2664 Top 1.1% in $100M-$1B

Total Deposits

size

Value: $817.99M

Peer Median: $327.97M

#49 of 2664 Top 1.8% in $100M-$1B

Total Assets

size

Value: $916.00M

Peer Median: $386.08M

#83 of 2664 Top 3.1% in $100M-$1B

139

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.28%

#139 of 2664 Top 5.2% in $100M-$1B

Top Weaknesses (3 metrics)

2469

Net Interest Margin

profitability

Value: 2.83%

Peer Median: 3.93%

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

2447

Non-Interest-Bearing Deposit Share

funding

Value: 8.55%

Peer Median: 22.02%

#2447 of 2664 Bottom 8.2% in $100M-$1B

2120

Loan-to-Deposit Ratio

liquidity

Value: 91.98%

Peer Median: 76.64%

#2120 of 2664 Bottom 20.5% in $100M-$1B