BlastPoint's Banking Scorecard

Austin Capital Bank SSB

$100M-$1B Specialty: Consumer TX FDIC cert 58082

Austin, TX

15 branches across TX · CO · AZ · CA · GA · OH · TN · UT · WA

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 -28.4% year over year ($308.4M on the books).
Delinquency rate 0.30%.
Return on assets 0.95%.
Efficiency ratio 86.02% vs a 64.48% peer average.
Loan-to-deposit ratio 110.12% 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) →

Austin Capital Bank SSB has 3 strengths but faces 7 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 15.0% in tier
+ Net Interest Margin 2.80% above tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.9% in tier
- Liquidity Strain: Bottom 19.8% in tier
- Credit Quality Pressure: Bottom 32.0% in tier
- Capital Constraint: Bottom 97.2% in tier
- Efficiency Ratio 21.54% above tier average
- Non-Interest-Bearing Deposit Share 15.58% below tier average
- ROA 0.37% below tier average

Get updates when Austin Capital Bank SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$395.4M -21.5% YoY -6.4% QoQ	+$8.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$339.6M -22.6% YoY -10.2% QoQ	+$81.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$308.4M -28.4% YoY -8.3% QoQ	-$18.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.95% +21.0% YoY +24.6% QoQ	-0.37%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	6.79% +4.2% YoY -0.0% QoQ	+2.80%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 0.6% in tier
Efficiency Ratio ?	86.02% -3.4% YoY -1.9% QoQ	+21.54%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 8.3% in tier
Delinquency Rate ?	0.30% +179.4% YoY +270.7% QoQ	-0.62%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	110.12% +8.1% YoY -2.1% QoQ	+32.17%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 2.9% in tier
Non-Interest-Bearing Deposit Share ?	6.45% +58.8% YoY +136.3% QoQ	-15.58%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 5.1% in tier
Nonperforming Asset Ratio ?	0.32% +244.5% YoY +344.6% QoQ	-0.34%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	39.04% +19.7% YoY +1.7% QoQ	+23.13%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.0% in tier
Non-Interest Income / Assets ?	0.98% +84.3% YoY +166.0% QoQ	+0.41%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 3.5% 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	6.5% +2.4pp YoY +3.7pp QoQ	-15.7pp	22.1%	29.2%	22.2%	5%
Brokered Deposits	4.9% -1.6pp YoY 0.0pp QoQ	-3.0pp	7.9%	8.0%	8.5%	51%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	3.9% +0.5pp YoY 0.0pp QoQ	-7.6pp	11.6%	14.8%	12.5%	14%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	42.9% +6.3pp YoY +3.2pp QoQ	+10.3pp	32.6%	25.8%	31.3%	74%
Consumer	52.7% -6.2pp YoY -3.9pp QoQ	+48.6pp	4.1%	4.7%	5.0%	100%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	39.0% +6.4pp YoY +0.7pp QoQ	+20.2pp	18.8%	22.7%	19.7%	97%
Leverage Ratio	10.2% +2.5pp YoY +0.9pp QoQ	-1.9pp	12.2%	12.6%	12.6%	36%
Total Capital Ratio	40.3% +6.4pp YoY +0.7pp QoQ	+20.4pp	19.9%	23.8%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	80 +5 (+6.7%) YoY +4 (+5.3%) QoQ	+21	58	186	482	77%
Assets per Employee ($)	$4.9M -26.4% YoY -11.1% QoQ	-$2.6M	$7.5M	$10.1M	$8.8M	14%
Branch Count	15 0 YoY 0 QoQ	+10	4	12	18	98%

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	0.3% +0.2pp YoY +0.2pp QoQ	-0.6pp	0.9%	1.0%	1.0%	38%
Allowance Coverage	1.57x -52.9% YoY -69.8% QoQ	-22.59x	24.15x	18.82x	20.23x	40%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.6% -0.3pp YoY +1.5pp QoQ	-2.6pp	12.2%	13.2%	11.6%	34%
Cost of Funds (YTD)	0.9% -0.5pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	8%
Net Income ($, YTD)	$2.0M +9.3% YoY — QoQ	-$522K	$2.6M	$15.9M	$40.4M	53%

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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

#100 of 661 • Top 15.0% 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: 0.98%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.95%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (4)

Liquidity Overhang

risk

#15 of 742 • Bottom 1.9% 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: 39.04%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 110.12%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#138 of 691 • Bottom 19.8% 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: 110.12%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#403 of 1256 • Bottom 32.0% in tier

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

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Capital Constraint

risk

#105 of 107 • Bottom 97.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 110.12%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 39.04%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 (3 metrics)

Net Interest Margin

profitability

Value: 6.79%

Peer Median: 3.99%

#16 of 2643 Top 0.6% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 39.04%

Peer Median: 15.91%

#53 of 2643 Top 2.0% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.98%

Peer Median: 0.57%

#93 of 2643 Top 3.5% in $100M-$1B

Top Weaknesses (3 metrics)

2567

Loan-to-Deposit Ratio

liquidity

Value: 110.12%

Peer Median: 77.95%

#2567 of 2643 Bottom 2.9% in $100M-$1B

2508

Non-Interest-Bearing Deposit Share

funding

Value: 6.45%

Peer Median: 22.03%

#2508 of 2643 Bottom 5.1% in $100M-$1B

2425

Efficiency Ratio

profitability

Value: 86.02%

Peer Median: 64.48%

#2425 of 2643 Bottom 8.3% in $100M-$1B