BlastPoint's Banking Scorecard
The Community Bank
Bridgeport, TX
2 branches across TX
The Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 25.9% in tier
- - Efficiency Ratio 1.38% above tier average
- - Delinquency Rate 0.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$200.1M
+12.2% YoY
+1.1% QoQ
|
-$186.0M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$115.6M
+3.5% YoY
+0.4% QoQ
|
-$140.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$180.7M
+11.6% YoY
+1.3% QoQ
|
-$147.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.09%
-28.6% YoY
-21.6% QoQ
|
-0.18% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
4.15%
-13.4% YoY
-10.4% QoQ
|
+0.22% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
66.67%
+7.8% YoY
+4.4% QoQ
|
+1.38% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
1.78%
+558.1% YoY
|
+0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.8% in tier |
| Loan-to-Deposit Ratio ? |
63.99%
-7.3% YoY
-0.9% QoQ
|
-12.65% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
28.48%
-10.5% YoY
-4.7% QoQ
|
+6.46% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.03%
+507.1% YoY
|
+0.39% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
17.79%
+6.0% YoY
+0.0% QoQ
|
+1.96% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.15%
-7.8% YoY
-74.8% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.