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

2664 banks in the $100M-$1B peer group nationally 219 in 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 31.8% in tier
+ Net Interest Margin 2.86% above tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.6% in tier
- Liquidity Strain: Bottom 23.2% in tier
- Deposit Outflow: Bottom 25.3% in tier
- Capital Constraint: Bottom 98.2% in tier
- Efficiency Ratio 22.38% above tier average
- Non-Interest-Bearing Deposit Share 19.29% below tier average
- ROA 0.51% below tier average

Get updates when Austin Capital Bank SSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$422.4M -8.6% YoY -10.0% QoQ	+$36.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$378.3M -5.8% YoY -7.2% QoQ	+$122.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$336.3M -10.7% YoY -9.9% QoQ	+$8.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	0.76% +54.3% YoY -26.1% QoQ	-0.51%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	6.79% +5.3% YoY +1.8% QoQ	+2.86%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 0.6% in tier
Efficiency Ratio ?	87.67% -4.5% YoY +1.0% QoQ	+22.38%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 8.1% in tier
Delinquency Rate ?	0.08% -86.4% YoY -47.0% QoQ	-0.81%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	112.49% +5.4% YoY +3.0% QoQ	+35.85%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ?	2.73% +17.0% YoY -20.3% QoQ	-19.29%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 2.0% in tier
Nonperforming Asset Ratio ?	0.07% -86.0% YoY -45.4% QoQ	-0.57%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	38.37% +22.2% YoY +5.2% QoQ	+22.54%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 1.8% in tier
Non-Interest Income / Assets ?	0.37% +40.7% YoY -73.4% QoQ	+0.09%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 5.0% 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

#213 of 666 • Top 31.8% 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: 0.37%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.76%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Liquidity Overhang

risk

#13 of 739 • Bottom 1.6% 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: 38.37%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 112.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Liquidity Strain

risk

#150 of 643 • Bottom 23.2% 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: 112.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#129 of 506 • Bottom 25.3% 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

Capital Constraint

risk

#107 of 108 • Bottom 98.2% 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: 112.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 38.37%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 (5 metrics)

Net Interest Margin

profitability

Value: 6.79%

Peer Median: 3.93%

#16 of 2664 Top 0.6% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 38.37%

Peer Median: 15.83%

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

133

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.28%

#133 of 2664 Top 5.0% in $100M-$1B

599

Total Loans

size

Value: $378.35M

Peer Median: $255.72M

#599 of 2664 Top 22.4% in $100M-$1B

641

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#641 of 2654 Top 24.1% in $100M-$1B

Top Weaknesses (4 metrics)

2613

Non-Interest-Bearing Deposit Share

funding

Value: 2.73%

Peer Median: 22.02%

#2613 of 2664 Bottom 2.0% in $100M-$1B

2606

Loan-to-Deposit Ratio

liquidity

Value: 112.49%

Peer Median: 76.64%

#2606 of 2664 Bottom 2.2% in $100M-$1B

2450

Efficiency Ratio

profitability

Value: 87.67%

Peer Median: 65.29%

#2450 of 2664 Bottom 8.1% in $100M-$1B

2033

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2033 of 2664 Bottom 23.7% in $100M-$1B