BlastPoint's Banking Scorecard

Texas Advantage Community Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 58450

Alvin, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +7.7% year over year ($169.7M on the books).
Delinquency rate 7.18%.
Return on assets 0.36%.
Efficiency ratio 88.24% vs a 64.48% peer average.
Loan-to-deposit ratio 46.80% 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) →

Texas Advantage Community Bank, National Association faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 18.8% in tier
- Return on Assets 0.96% below tier average
- Delinquency Rate 6.26% above tier average
- Nonperforming Asset Ratio 2.32% above tier average
- Net Interest Margin 0.74% below 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 ?	$192.1M +7.2% YoY +0.8% QoQ	-$194.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$79.4M -8.9% YoY -5.8% QoQ	-$178.9M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 10.2% in tier
Total Deposits ?	$169.7M +7.7% YoY +1.1% QoQ	-$157.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.36% -45.9% YoY +42.0% QoQ	-0.96%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 8.8% in tier
Net Interest Margin ?	3.25% -2.6% YoY +1.9% QoQ	-0.74%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	88.24% +12.9% YoY -3.7% QoQ	+23.76%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 7.2% in tier
Delinquency Rate ?	7.18% +333.3% YoY +185.5% QoQ	+6.26%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 0.7% in tier
Loan-to-Deposit Ratio ?	46.80% -15.5% YoY -6.8% QoQ	-31.15%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 6.8% in tier
Non-Interest-Bearing Deposit Share ?	23.16% -9.7% YoY -3.3% QoQ	+1.13%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	2.99% +271.2% YoY +163.1% QoQ	+2.32%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 3.3% in tier
Tier 1 Capital Ratio ?	24.87% +8.0% YoY +8.2% QoQ	+8.96%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 6.9% in tier
Non-Interest Income / Assets ?	0.09% -28.2% YoY +87.9% QoQ	-0.47%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	17%

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	23.2% -2.5pp YoY -0.8pp QoQ	+1.0pp	22.1%	29.2%	22.2%	60%
Brokered Deposits	29.6% +17.8pp YoY +2.4pp QoQ	+21.7pp	7.9%	8.0%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	18.3% -4.9pp YoY -5.6pp QoQ	+6.7pp	11.6%	14.8%	12.5%	85%
CRE	60.4% +1.4pp YoY +3.1pp QoQ	+20.8pp	39.5%	48.4%	41.4%	85%
1-4 Family	7.5% +2.6pp YoY +1.5pp QoQ	-25.2pp	32.6%	25.8%	31.3%	8%
Consumer	1.3% 0.0pp YoY -0.2pp QoQ	-2.8pp	4.1%	4.7%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	24.9% +1.8pp YoY +1.9pp QoQ	+6.0pp	18.8%	22.7%	19.7%	89%
Leverage Ratio	11.3% +0.1pp YoY -0.6pp QoQ	-0.8pp	12.2%	12.6%	12.6%	55%
Total Capital Ratio	25.9% +1.7pp YoY +2.0pp QoQ	+6.0pp	19.9%	23.8%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	26 0 YoY -1 (-3.7%) QoQ	-33	58	186	482	21%
Assets per Employee ($)	$7.4M +7.2% YoY +4.7% QoQ	-$131K	$7.5M	$10.1M	$8.8M	59%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

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	7.2% +5.5pp YoY +4.7pp QoQ	+6.2pp	0.9%	1.0%	1.0%	99%
Allowance Coverage	0.16x -79.1% YoY -62.8% QoQ	-23.99x	24.15x	18.82x	20.23x	1%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	3.1% -3.0pp YoY +1.0pp QoQ	-9.1pp	12.2%	13.2%	11.6%	8%
Cost of Funds (YTD)	2.1% -0.1pp YoY +0.1pp QoQ	+0.3pp	1.7%	1.6%	1.7%	74%
Net Income ($, YTD)	$341,000 -45.9% YoY — QoQ	-$2.2M	$2.6M	$15.9M	$40.4M	7%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#69 of 361 • Bottom 18.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.24%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 (2 metrics)

180

Loan-to-Deposit Ratio

liquidity

Value: 46.80%

Peer Median: 77.95%

#180 of 2643 Top 6.8% in $100M-$1B

184

Tier 1 Capital Ratio

capital

Value: 24.87%

Peer Median: 15.91%

#184 of 2643 Top 6.9% in $100M-$1B

Top Weaknesses (8 metrics)

2615

Delinquency Rate

credit_quality

Value: 7.18%

Peer Median: 0.92%

#2615 of 2633 Bottom 0.7% in $100M-$1B

2556

Nonperforming Asset Ratio

credit_quality

Value: 2.99%

Peer Median: 0.67%

#2556 of 2643 Bottom 3.3% in $100M-$1B

2455

Efficiency Ratio

profitability

Value: 88.24%

Peer Median: 64.48%

#2455 of 2643 Bottom 7.2% in $100M-$1B

2412

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.32%

#2412 of 2643 Bottom 8.8% in $100M-$1B

2375

Total Loans

size

Value: $79.41M

Peer Median: $258.35M

#2375 of 2643 Bottom 10.2% in $100M-$1B

2206

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2206 of 2643 Bottom 16.6% in $100M-$1B

2181

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2181 of 2643 Bottom 17.5% in $100M-$1B

1995

Total Assets

size

Value: $192.07M

Peer Median: $386.57M

#1995 of 2643 Bottom 24.6% in $100M-$1B