BlastPoint's Banking Scorecard

Austin County State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 58484

Bellville, TX

5 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 +30.2% year over year ($489.7M on the books).
Delinquency rate 0.37%.
Return on assets 2.21%.
Efficiency ratio 49.50% vs a 64.48% peer average.
Loan-to-deposit ratio 78.51% 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 County State Bank has 4 strengths but faces 1 concern

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

+ Return on Assets 0.89% above tier average
+ Net Interest Margin 1.13% above tier average
+ Efficiency Ratio 14.98% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 25.2% in tier

Get updates when Austin County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$543.0M +28.3% YoY +6.3% QoQ	+$156.4M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$384.4M +17.8% YoY +6.1% QoQ	+$126.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$489.7M +30.2% YoY +6.6% QoQ	+$163.0M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	2.21% +2.1% YoY -14.7% QoQ	+0.89%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 8.5% in tier
Net Interest Margin ?	5.11% +1.0% YoY +1.3% QoQ	+1.13%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 6.5% in tier
Efficiency Ratio ?	49.50% +3.0% YoY -0.9% QoQ	-14.98%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.37% +34.5% YoY +52.2% QoQ	-0.55%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	78.51% -9.5% YoY -0.4% QoQ	+0.56%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	23.58% +0.9% YoY +3.2% QoQ	+1.55%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.26% +23.5% YoY +51.9% QoQ	-0.40%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	9.55% -7.1% YoY -0.7% QoQ	-6.36%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 5.6% in tier
Non-Interest Income / Assets ?	0.16% -5.3% YoY +101.4% QoQ	-0.41%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	38%

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	23.6% +0.2pp YoY +0.7pp QoQ	+1.4pp	22.1%	29.2%	22.2%	61%
Brokered Deposits	0.0% -0.6pp YoY -0.5pp QoQ	-7.9pp	7.9%	8.0%	8.5%	1%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	22.1% -1.3pp YoY -1.4pp QoQ	+10.5pp	11.6%	14.8%	12.5%	91%
CRE	34.4% +2.6pp YoY +1.4pp QoQ	-5.1pp	39.5%	48.4%	41.4%	42%
1-4 Family	30.3% -2.9pp YoY -0.8pp QoQ	-2.3pp	32.6%	25.8%	31.3%	52%
Consumer	0.9% -0.2pp YoY -0.2pp QoQ	-3.2pp	4.1%	4.7%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	9.5% -0.7pp YoY -0.1pp QoQ	-2.6pp	12.2%	12.6%	12.6%	23%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	67 +12 (+21.8%) YoY +3 (+4.7%) QoQ	+8	58	186	482	68%
Assets per Employee ($)	$8.1M +5.3% YoY +1.6% QoQ	+$586K	$7.5M	$10.1M	$8.8M	69%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	12	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.2pp YoY +0.2pp QoQ	0.0pp	0.3%	0.3%	0.4%	77%
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	6%
Allowance Coverage	4.90x -25.0% YoY -32.5% QoQ	-19.26x	24.15x	18.82x	20.23x	70%
Net Charge-off Rate (YTD)	-0.0% -0.3pp YoY	-0.2pp	0.1%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	23.6% +1.6pp YoY -3.6pp QoQ	+11.4pp	12.2%	13.2%	11.6%	95%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	47%
Net Income ($, YTD)	$5.7M +25.6% YoY — QoQ	+$3.1M	$2.6M	$15.9M	$40.4M	90%

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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)

Credit Quality Pressure

risk

#318 of 1256 • Bottom 25.2% in tier

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

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

174

Net Interest Margin

profitability

Value: 5.11%

Peer Median: 3.99%

#174 of 2643 Top 6.5% in $100M-$1B

226

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.32%

#226 of 2643 Top 8.5% in $100M-$1B

423

Efficiency Ratio

profitability

Value: 49.50%

Peer Median: 64.48%

#423 of 2643 Top 16.0% in $100M-$1B

564

Total Deposits

size

Value: $489.69M

Peer Median: $326.73M

#564 of 2643 Top 21.3% in $100M-$1B

599

Total Loans

size

Value: $384.44M

Peer Median: $258.35M

#599 of 2643 Top 22.6% in $100M-$1B

649

Total Assets

size

Value: $542.96M

Peer Median: $386.57M

#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2497

Tier 1 Capital Ratio

capital

Value: 9.55%

Peer Median: 15.91%

#2497 of 2643 Bottom 5.6% in $100M-$1B