BlastPoint's Banking Scorecard

Harmony Bank

$100M-$1B Specialty: Commercial TX FDIC cert 57922

Dallas, TX

12 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 +6.3% year over year ($707.7M on the books).
Delinquency rate 0.02%.
Return on assets 1.16%.
Efficiency ratio 59.80% vs a 64.48% peer average.
Loan-to-deposit ratio 87.98% 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) →

Harmony Bank has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 50.7% in tier
+ Efficiency Ratio 4.68% below tier average
+ Delinquency Rate 0.90% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average

Get updates when Harmony 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 ?	$855.3M +3.7% YoY +4.7% QoQ	+$468.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 5.4% in tier
Total Loans ?	$622.6M +5.8% YoY +3.8% QoQ	+$364.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 5.1% in tier
Total Deposits ?	$707.7M +6.3% YoY +5.4% QoQ	+$380.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 6.2% in tier
Return on Assets ?	1.16% +33.8% YoY -7.4% QoQ	-0.17%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	5.02% +4.0% YoY -0.5% QoQ	+1.03%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 7.8% in tier
Efficiency Ratio ?	59.80% -1.9% YoY +0.5% QoQ	-4.68%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.02% -96.9% YoY +43.1% QoQ	-0.90%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	87.98% -0.4% YoY -1.6% QoQ	+10.03%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	32.83% +5.0% YoY -7.4% QoQ	+10.80%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 12.9% in tier
Nonperforming Asset Ratio ?	0.01% -96.8% YoY +41.8% QoQ	-0.66%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 14.2% in tier
Tier 1 Capital Ratio ?	14.88% +20.0% YoY -1.6% QoQ	-1.02%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.10% -0.2% YoY +101.8% QoQ	-0.46%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	19%

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	32.8% +1.6pp YoY -2.6pp QoQ	+10.7pp	22.1%	29.2%	22.2%	87%
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	14.0% +2.3pp YoY +0.7pp QoQ	+2.4pp	11.6%	14.8%	12.5%	72%
CRE	71.1% -3.1pp YoY -0.8pp QoQ	+31.6pp	39.5%	48.4%	41.4%	94%
1-4 Family	12.5% +0.4pp YoY +0.3pp QoQ	-20.1pp	32.6%	25.8%	31.3%	15%
Consumer	0.7% -0.1pp YoY -0.1pp QoQ	-3.4pp	4.1%	4.7%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.9% +2.5pp YoY -0.2pp QoQ	-3.9pp	18.8%	22.7%	19.7%	48%
Leverage Ratio	11.9% +1.8pp YoY -0.5pp QoQ	-0.3pp	12.2%	12.6%	12.6%	64%
Total Capital Ratio	16.0% +2.4pp YoY -0.4pp QoQ	-4.0pp	19.9%	23.8%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	99 +7 (+7.6%) YoY +2 (+2.1%) QoQ	+40	58	186	482	86%
Assets per Employee ($)	$8.6M -3.6% YoY +2.6% QoQ	+$1.1M	$7.5M	$10.1M	$8.8M	76%
Branch Count	12 +1 (+9.1%) YoY +1 (+9.1%) QoQ	+7	4	12	18	95%

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	0.0% -0.5pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	4%
Allowance Coverage	69.33x +2753.9% YoY -39.2% QoQ	+45.17x	24.15x	18.82x	20.23x	95%
Net Charge-off Rate (YTD)	0.5% +0.2pp YoY +0.5pp QoQ	+0.4pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	7.0% +1.2pp YoY -0.5pp QoQ	-5.2pp	12.2%	13.2%	11.6%	21%
Cost of Funds (YTD)	1.6% -0.5pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.6%	1.7%	46%
Net Income ($, YTD)	$4.8M +38.1% YoY — QoQ	+$2.3M	$2.6M	$15.9M	$40.4M	86%

Get Full Access to Harmony 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 (1)

Deposit Franchise

growth

#142 of 278 • Top 50.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.83%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.02%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

135

Total Loans

size

Value: $622.62M

Peer Median: $258.35M

#135 of 2643 Top 5.1% in $100M-$1B

143

Total Assets

size

Value: $855.27M

Peer Median: $386.57M

#143 of 2643 Top 5.4% in $100M-$1B

165

Total Deposits

size

Value: $707.66M

Peer Median: $326.73M

#165 of 2643 Top 6.2% in $100M-$1B

207

Net Interest Margin

profitability

Value: 5.02%

Peer Median: 3.99%

#207 of 2643 Top 7.8% in $100M-$1B

343

Non-Interest-Bearing Deposit Share

funding

Value: 32.83%

Peer Median: 22.03%

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

376

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#376 of 2643 Top 14.2% in $100M-$1B

405

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#405 of 2633 Top 15.3% in $100M-$1B

Top Weaknesses (1 metrics)

2136

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2136 of 2643 Bottom 19.2% in $100M-$1B