BlastPoint's Banking Scorecard
Texas Security Bank
Designations: ✓ Community bank
Dallas, TX
4 branches across TX
Texas Security Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 3.63% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+17.7% YoY
+1.6% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$996.8M
+17.2% YoY
+7.5% QoQ
|
-$968.1M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.1B
+11.3% YoY
-8.5% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.03%
+18.3% YoY
-6.7% QoQ
|
-0.33% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.57%
+10.7% YoY
+6.2% QoQ
|
-0.25% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
57.43%
-12.0% YoY
-3.0% QoQ
|
-3.63% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.10%
+5.2% YoY
+17.4% QoQ
|
+4.89% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
28.86%
+8.8% YoY
+10.6% QoQ
|
+7.57% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.07%
-5.0% YoY
-6.2% QoQ
|
-2.09% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.06%
-7.2% YoY
-75.9% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.3% in tier |
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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.