BlastPoint's Banking Scorecard
Guadalupe Bank
Kerrville, TX
2 branches across TX
Guadalupe Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 47.1% in tier
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.26% above tier average
- + Efficiency Ratio 1.95% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 18.4% in tier
- - Cost Spiral: Bottom 75.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.4M
+4.6% YoY
+4.1% QoQ
|
-$132.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$183.6M
+3.7% YoY
+5.3% QoQ
|
-$72.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$227.0M
+6.7% YoY
+4.1% QoQ
|
-$101.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.53%
-28.7% YoY
-18.5% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
5.17%
+1.6% YoY
-0.3% QoQ
|
+1.24% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.2% in tier |
| Efficiency Ratio ? |
63.34%
+29.5% YoY
+16.2% QoQ
|
-1.95% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.90%
-2.7% YoY
+1.1% QoQ
|
+4.26% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
30.78%
-7.3% YoY
+1.0% QoQ
|
+8.76% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.55%
-1.0% YoY
-2.6% QoQ
|
-2.28% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.09%
-26.6% YoY
-81.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
44% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
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.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.