BlastPoint's Banking Scorecard
Pegasus Bank
Dallas, TX
3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +0.5% year over year ($1.3B on the books).
- Delinquency rate 0.00%.
- Return on assets 1.60%.
- Efficiency ratio 42.75% vs a 59.73% peer average.
- Loan-to-deposit ratio 71.74% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pegasus Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.98% below tier average
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.21% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.44% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+2.8% YoY
-2.5% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$912.2M
+4.0% YoY
-2.5% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$1.3B
+0.5% YoY
-2.6% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.60%
-2.9% YoY
+7.3% QoQ
|
+0.21% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
3.61%
-0.9% YoY
+3.1% QoQ
|
-0.26% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
42.75%
-2.2% YoY
-5.6% QoQ
|
-16.98% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 9.6% in tier |
| Delinquency Rate ? | 0.00% | -0.87% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
71.74%
+3.4% YoY
+0.1% QoQ
|
-13.29% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
30.68%
+4.3% YoY
+2.3% QoQ
|
+9.41% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 14.1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.40%
+3.6% YoY
-0.7% QoQ
|
+1.56% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.09%
-14.9% YoY
+88.1% QoQ
|
-0.44% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
30.7%
+1.3pp YoY +0.7pp QoQ |
+9.3pp | 21.4% | 29.2% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.0%
-2.1pp YoY -0.1pp QoQ |
+18.0pp | 14.0% | 14.8% | 12.5% | 92% |
| CRE |
42.4%
-5.0pp YoY -2.2pp QoQ |
-7.6pp | 50.0% | 48.4% | 41.4% | 30% |
| 1-4 Family |
14.8%
-2.0pp YoY 0.0pp QoQ |
-11.6pp | 26.4% | 25.8% | 31.3% | 30% |
| Consumer |
3.3%
+0.6pp YoY +0.3pp QoQ |
-1.4pp | 4.7% | 4.7% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.4%
+0.6pp YoY -0.1pp QoQ |
+0.8pp | 15.6% | 22.7% | 19.7% | 80% |
| Leverage Ratio |
11.4%
+0.6pp YoY +0.1pp QoQ |
+0.1pp | 11.3% | 12.6% | 12.6% | 68% |
| Total Capital Ratio |
17.5%
+0.6pp YoY -0.1pp QoQ |
+0.8pp | 16.7% | 23.8% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
77
+5 (+6.9%) YoY +2 (+2.7%) QoQ |
-237 | 313 | 186 | 482 | 3% |
| Assets per Employee ($) |
$18.9M
-3.9% YoY -5.0% QoQ |
+$8.5M | $10.5M | $10.1M | $8.8M | 94% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 12 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-1.3pp YoY +0.8pp QoQ |
+2.0pp | 12.6% | 13.2% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$12.0M
+3.5% YoY — QoQ |
-$7.2M | $19.2M | $15.9M | $40.4M | 48% |
Get Full Access to Pegasus Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.