BlastPoint's Banking Scorecard
Harmony Bank
Dallas, TX
12 branches across TX
Harmony Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 27.6% in tier
- + Efficiency Ratio 5.77% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$816.6M
-0.7% YoY
-2.5% QoQ
|
+$430.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 7.5% in tier |
| Total Loans ? |
$600.0M
-1.3% YoY
+2.3% QoQ
|
+$344.3M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 6.2% in tier |
| Total Deposits ? |
$671.2M
+0.1% YoY
-3.1% QoQ
|
+$343.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
1.25%
+112.2% YoY
+24.8% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
5.04%
+7.0% YoY
+3.1% QoQ
|
+1.11% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 6.5% in tier |
| Efficiency Ratio ? |
59.52%
-2.7% YoY
-2.4% QoQ
|
-5.77% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.01%
-97.7% YoY
-90.5% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 14.0% in tier |
| Loan-to-Deposit Ratio ? |
89.40%
-1.4% YoY
+5.6% QoQ
|
+12.76% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
35.45%
+13.9% YoY
+19.6% QoQ
|
+13.43% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-97.7% YoY
-90.1% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 13.5% in tier |
| Tier 1 Capital Ratio ? |
15.13%
+21.3% YoY
+1.0% QoQ
|
-0.70% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.05%
+0.0% YoY
-76.0% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.