BlastPoint's Banking Scorecard

T Bank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 57703

Designations: ✓ Community bank

Dallas, TX

2 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 +11.5% year over year ($955.6M on the books).
Delinquency rate 2.93%.
Return on assets 1.22%.
Efficiency ratio 68.80% vs a 59.73% peer average.
Loan-to-deposit ratio 95.12% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

T Bank, National Association has 2 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 25.7% in tier
+ Net Interest Margin 0.75% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 39.5% in tier
- Delinquency Rate 2.07% above tier average
- Non-Interest-Bearing Deposit Share 14.57% below tier average
- Nonperforming Asset Ratio 2.51% above tier average
- ROA 0.17% below tier average
- Efficiency Ratio 9.07% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +11.6% YoY +5.2% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 9.9% in tier
Total Loans ?	$909.0M +13.4% YoY +4.8% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$955.6M +11.5% YoY +5.9% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 12.3% in tier
Return on Assets ?	1.22% -7.1% YoY -11.3% QoQ	-0.17%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	4.62% +1.6% YoY +3.4% QoQ	+0.75%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 10.3% in tier
Efficiency Ratio ?	68.80% +1.5% YoY +1.4% QoQ	+9.07%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	2.93% -24.0% YoY -21.6% QoQ	+2.07%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 4.4% in tier
Loan-to-Deposit Ratio ?	95.12% +1.7% YoY -1.0% QoQ	+10.08%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	6.70% -7.3% YoY -2.1% QoQ	-14.57%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 5.8% in tier
Nonperforming Asset Ratio ?	3.19% +1.7% YoY -10.5% QoQ	+2.51%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 2.5% in tier
Tier 1 Capital Ratio ?	16.28% +3.7% YoY -1.8% QoQ	+1.44%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	1.33% +0.9% YoY +85.7% QoQ	+0.81%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 4.7% 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	6.7% -0.5pp YoY -0.1pp QoQ	-14.7pp	21.4%	29.2%	22.2%	5%
Brokered Deposits	2.6% -3.2pp YoY -2.9pp QoQ	-6.8pp	9.5%	8.0%	8.5%	32%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	40.8% +1.9pp YoY +3.4pp QoQ	+26.8pp	14.0%	14.8%	12.5%	96%
CRE	n/a	n/a	50.0%	48.4%	41.4%	n/a
1-4 Family	1.2% -0.3pp YoY -0.9pp QoQ	-25.3pp	26.4%	25.8%	31.3%	2%
Consumer	0.1% +0.1pp YoY +0.1pp QoQ	-4.6pp	4.7%	4.7%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	16.3% +0.6pp YoY -0.3pp QoQ	+0.7pp	15.6%	22.7%	19.7%	79%
Leverage Ratio	10.7% +0.3pp YoY -0.3pp QoQ	-0.6pp	11.3%	12.6%	12.6%	53%
Total Capital Ratio	17.5% +0.6pp YoY -0.3pp QoQ	+0.8pp	16.7%	23.8%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	190 +20 (+11.8%) YoY +6 (+3.3%) QoQ	-124	313	186	482	38%
Assets per Employee ($)	$5.8M -0.1% YoY +1.9% QoQ	-$4.7M	$10.5M	$10.1M	$8.8M	10%
Branch Count	2 +1 (+100.0%) YoY +1 (+100.0%) QoQ	-18	20	12	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY -0.3pp QoQ	0.0pp	0.2%	0.3%	0.4%	85%
Nonaccrual	2.8% -0.9pp YoY -0.5pp QoQ	+1.9pp	0.8%	1.0%	1.0%	96%
Allowance Coverage	0.53x +53.4% YoY +37.7% QoQ	-18.18x	18.71x	18.82x	20.23x	8%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY -0.2pp QoQ	+0.1pp	0.3%	0.1%	0.2%	87%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.9% -0.6pp YoY -1.1pp QoQ	-2.7pp	12.6%	13.2%	11.6%	32%
Cost of Funds (YTD)	3.2% -0.5pp YoY -0.1pp QoQ	+1.3pp	1.9%	1.6%	1.7%	98%
Net Income ($, YTD)	$6.4M +6.0% YoY — QoQ	-$12.9M	$19.2M	$15.9M	$40.4M	18%

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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

#58 of 222 • Top 25.7% 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: 1.33%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.22%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#69 of 172 • Bottom 39.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.28%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 95.12%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.33%

Peer Median: 0.53%

#43 of 885 Top 4.7% in $1B-$10B

Net Interest Margin

profitability

Value: 4.62%

Peer Median: 3.87%

#92 of 885 Top 10.3% in $1B-$10B

162

Tier 1 Capital Ratio

capital

Value: 16.28%

Peer Median: 14.84%

#162 of 885 Top 18.2% in $1B-$10B

Top Weaknesses (6 metrics)

864

Nonperforming Asset Ratio

credit_quality

Value: 3.19%

Peer Median: 0.67%

#864 of 885 Bottom 2.5% in $1B-$10B

844

Delinquency Rate

credit_quality

Value: 2.93%

Peer Median: 0.87%

#844 of 882 Bottom 4.4% in $1B-$10B

835

Non-Interest-Bearing Deposit Share

funding

Value: 6.70%

Peer Median: 21.27%

#835 of 885 Bottom 5.8% in $1B-$10B

798

Total Assets

size

Value: $1.10B

Peer Median: $2.79B

#798 of 885 Bottom 9.9% in $1B-$10B

777

Total Deposits

size

Value: $955.64M

Peer Median: $2.32B

#777 of 885 Bottom 12.3% in $1B-$10B

680

Efficiency Ratio

profitability

Value: 68.80%

Peer Median: 59.73%

#680 of 885 Bottom 23.3% in $1B-$10B