BlastPoint's Banking Scorecard

Austin County State Bank

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

Bellville, TX

5 branches across TX

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

Austin County State Bank shows strong momentum with 4 strengths and 22.3% YoY asset growth

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

+ Profitability Leader: Top 4.7% in tier
+ Net Interest Margin 1.12% above tier average
+ Efficiency Ratio 15.35% below tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Austin County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$510.7M +22.3% YoY +6.8% QoQ	+$124.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$362.2M +13.2% YoY +0.5% QoQ	+$106.5M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$459.5M +23.1% YoY +7.8% QoQ	+$131.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	2.60% +51.4% YoY +22.5% QoQ	+1.33%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 3.8% in tier
Net Interest Margin ?	5.05% +2.8% YoY -1.9% QoQ	+1.12%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 6.5% in tier
Efficiency Ratio ?	49.94% -4.7% YoY -4.2% QoQ	-15.35%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.25% -54.2% YoY +37.8% QoQ	-0.64%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	78.83% -8.1% YoY -6.7% QoQ	+2.19%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	22.86% -1.3% YoY +4.7% QoQ	+0.84%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.17% -57.6% YoY +29.7% QoQ	-0.46%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	9.61% -5.1% YoY -5.6% QoQ	-6.22%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 5.7% in tier
Non-Interest Income / Assets ?	0.08% -4.0% YoY -73.1% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	38%

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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)

Profitability Leader

growth

#32 of 666 • Top 4.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.60%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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)

102

Return on Assets

profitability

Value: 2.60%

Peer Median: 1.27%

#102 of 2664 Top 3.8% in $100M-$1B

173

Net Interest Margin

profitability

Value: 5.05%

Peer Median: 3.93%

#173 of 2664 Top 6.5% in $100M-$1B

425

Efficiency Ratio

profitability

Value: 49.94%

Peer Median: 65.29%

#425 of 2664 Top 15.9% in $100M-$1B

637

Total Deposits

size

Value: $459.52M

Peer Median: $327.97M

#637 of 2664 Top 23.9% in $100M-$1B

645

Total Loans

size

Value: $362.25M

Peer Median: $255.72M

#645 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (1 metrics)

2512

Tier 1 Capital Ratio

capital

Value: 9.61%

Peer Median: 15.83%

#2512 of 2664 Bottom 5.7% in $100M-$1B