BlastPoint's Banking Scorecard

Texas Advantage Community Bank, National Association

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

Alvin, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in 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

- Flatlined Growth: Bottom 3.3% in tier
- Efficiency Drag: Bottom 18.8% in tier
- Return on Assets 1.01% below tier average
- Delinquency Rate 1.63% above tier average
- Net Interest Margin 0.74% below tier average

Get updates when Texas Advantage Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$190.5M +0.1% YoY +3.7% QoQ	-$195.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$84.3M -3.5% YoY +1.4% QoQ	-$171.5M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 13.2% in tier
Total Deposits ?	$167.8M -0.5% YoY +4.3% QoQ	-$160.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.25% -64.0% YoY -53.3% QoQ	-1.01%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 7.1% in tier
Net Interest Margin ?	3.19% -2.0% YoY -5.9% QoQ	-0.74%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	91.62% +20.2% YoY +10.9% QoQ	+26.33%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 5.4% in tier
Delinquency Rate ?	2.51% +33.6% YoY +135.0% QoQ	+1.63%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 8.1% in tier
Loan-to-Deposit Ratio ?	50.22% -3.1% YoY -2.8% QoQ	-26.42%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 9.6% in tier
Non-Interest-Bearing Deposit Share ?	23.94% -7.9% YoY -16.3% QoQ	+1.92%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	1.14% +31.8% YoY +69.2% QoQ	+0.50%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	22.99% +28.0% YoY +10.0% QoQ	+7.16%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 8.4% in tier
Non-Interest Income / Assets ?	0.05% -12.1% YoY -80.1% QoQ	-0.23%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	19%

Get Full Access to Texas Advantage Community Bank, National Association

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 (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#18 of 512 • Bottom 3.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.25%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#79 of 414 • Bottom 18.8% in tier

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

Why this signature

Efficiency Ratio: 91.62%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 (2 metrics)

225

Tier 1 Capital Ratio

capital

Value: 22.99%

Peer Median: 15.83%

#225 of 2664 Top 8.4% in $100M-$1B

257

Loan-to-Deposit Ratio

liquidity

Value: 50.22%

Peer Median: 76.64%

#257 of 2664 Top 9.6% in $100M-$1B

Top Weaknesses (8 metrics)

2522

Efficiency Ratio

profitability

Value: 91.62%

Peer Median: 65.29%

#2522 of 2664 Bottom 5.4% in $100M-$1B

2475

Return on Assets

profitability

Value: 0.25%

Peer Median: 1.27%

#2475 of 2664 Bottom 7.1% in $100M-$1B

2439

Delinquency Rate

credit_quality

Value: 2.51%

Peer Median: 0.89%

#2439 of 2654 Bottom 8.1% in $100M-$1B

2314

Total Loans

size

Value: $84.26M

Peer Median: $255.72M

#2314 of 2664 Bottom 13.2% in $100M-$1B

2217

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.64%

#2217 of 2664 Bottom 16.8% in $100M-$1B

2209

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.93%

#2209 of 2664 Bottom 17.1% in $100M-$1B

2150

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2150 of 2664 Bottom 19.3% in $100M-$1B

2021

Total Assets

size

Value: $190.49M

Peer Median: $386.08M

#2021 of 2664 Bottom 24.2% in $100M-$1B