BlastPoint's Banking Scorecard
Texas Security Bank
Designations: ✓ Community bank
Dallas, TX
4 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 +17.4% year over year ($1.2B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.10%.
- Efficiency ratio 57.50% vs a 59.73% peer average.
- Loan-to-deposit ratio 84.86% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Texas Security Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.23% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+15.2% YoY
+0.4% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$1.0B
+13.2% YoY
+1.2% QoQ
|
-$954.6M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$1.2B
+17.4% YoY
+6.2% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.10%
+30.5% YoY
+6.5% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.67%
+12.9% YoY
+3.0% QoQ
|
-0.20% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
57.50%
-10.3% YoY
+0.1% QoQ
|
-2.23% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.41%
+344.2% YoY
|
-0.46% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
84.86%
-3.6% YoY
-4.8% QoQ
|
-0.17% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
26.23%
-4.1% YoY
-9.1% QoQ
|
+4.95% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.30%
+336.3% YoY
|
-0.37% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.35%
-0.1% YoY
+2.1% QoQ
|
-1.49% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.14%
+17.1% YoY
+150.9% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
26.2%
-1.1pp YoY -2.6pp QoQ |
+4.9pp | 21.4% | 29.2% | 22.2% | 75% |
| Brokered Deposits |
9.7%
+1.3pp YoY +4.3pp QoQ |
+0.2pp | 9.5% | 8.0% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.6%
-3.4pp YoY +0.7pp QoQ |
+3.6pp | 14.0% | 14.8% | 12.5% | 75% |
| CRE | n/a | n/a | 50.0% | 48.4% | 41.4% | n/a |
| 1-4 Family |
21.1%
-0.2pp YoY +2.1pp QoQ |
-5.3pp | 26.4% | 25.8% | 31.3% | 44% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.7% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
0.0pp YoY +0.3pp QoQ |
-2.2pp | 15.6% | 22.7% | 19.7% | 47% |
| Leverage Ratio |
9.6%
-0.2pp YoY -0.4pp QoQ |
-1.7pp | 11.3% | 12.6% | 12.6% | 24% |
| Total Capital Ratio |
14.6%
-0.1pp YoY +0.4pp QoQ |
-2.1pp | 16.7% | 23.8% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
106
+15 (+16.5%) YoY +9 (+9.3%) QoQ |
-208 | 313 | 186 | 482 | 9% |
| Assets per Employee ($) |
$13.0M
-1.1% YoY -8.2% QoQ |
+$2.5M | $10.5M | $10.1M | $8.8M | 83% |
| Branch Count |
4
0 YoY 0 QoQ |
-16 | 20 | 12 | 18 | 10% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.3pp YoY |
-0.4pp | 0.8% | 1.0% | 1.0% | 41% |
| Allowance Coverage |
2.87x
-79.8% YoY |
-15.84x | 18.71x | 18.82x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
+2.8pp YoY +0.7pp QoQ |
+0.3pp | 12.6% | 13.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.9%
-0.5pp YoY +0.1pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$7.5M
+51.6% YoY — QoQ |
-$11.7M | $19.2M | $15.9M | $40.4M | 27% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.