BlastPoint's Banking Scorecard
R Bank
Designations: ✓ Community bank
Round Rock, TX
9 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 +3.9% year over year ($926.1M on the books).
- Delinquency rate 1.56%.
- Return on assets 0.72%.
- Efficiency ratio 75.05% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.29% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
R Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier average
- - ROA 0.67% below tier average
- - Efficiency Ratio 15.32% above tier average
- - Delinquency Rate 0.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.3% YoY
-1.3% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.2% in tier |
| Total Loans ? |
$762.1M
-3.6% YoY
+1.1% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$926.1M
+3.9% YoY
-0.8% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
0.72%
+0.2% YoY
+14.5% QoQ
|
-0.67% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
4.02%
+11.0% YoY
+1.2% QoQ
|
+0.14% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
75.05%
-3.4% YoY
-2.4% QoQ
|
+15.32% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate ? |
1.56%
-25.2% YoY
-2.2% QoQ
|
+0.70% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
82.29%
-7.2% YoY
+2.0% QoQ
|
-2.74% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
23.15%
+10.2% YoY
+11.3% QoQ
|
+1.88% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.21%
-32.3% YoY
+2.3% QoQ
|
+0.54% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.04%
+1.4% YoY
-7.5% QoQ
|
-2.81% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.04%
-83.0% YoY
+312.2% QoQ
|
-0.49% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.8% in tier |
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 |
23.2%
+2.1pp YoY +2.4pp QoQ |
+1.8pp | 21.4% | 29.2% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.1%
+3.4pp YoY +2.2pp QoQ |
+5.1pp | 14.0% | 14.8% | 12.5% | 79% |
| CRE |
55.3%
0.0pp YoY -0.2pp QoQ |
+5.3pp | 50.0% | 48.4% | 41.4% | 65% |
| 1-4 Family |
21.1%
-2.1pp YoY -1.1pp QoQ |
-5.3pp | 26.4% | 25.8% | 31.3% | 44% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.7% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
+0.2pp YoY -1.0pp QoQ |
-3.6pp | 15.6% | 22.7% | 19.7% | 24% |
| Leverage Ratio |
9.0%
-0.4pp YoY -0.3pp QoQ |
-2.3pp | 11.3% | 12.6% | 12.6% | 12% |
| Total Capital Ratio |
13.2%
+0.1pp YoY -1.0pp QoQ |
-3.5pp | 16.7% | 23.8% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
115
-9 (-7.3%) YoY +1 (+0.9%) QoQ |
-199 | 313 | 186 | 482 | 12% |
| Assets per Employee ($) |
$9.0M
+11.4% YoY -2.1% QoQ |
-$1.5M | $10.5M | $10.1M | $8.8M | 53% |
| Branch Count |
9
-1 (-10.0%) YoY 0 QoQ |
-11 | 20 | 12 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 20% |
| Nonaccrual |
1.6%
-0.5pp YoY 0.0pp QoQ |
+0.7pp | 0.8% | 1.0% | 1.0% | 87% |
| Allowance Coverage |
0.70x
+29.4% YoY +2.9% QoQ |
-18.01x | 18.71x | 18.82x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
+0.1pp YoY +1.1pp QoQ |
-4.7pp | 12.6% | 13.2% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY -0.1pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$3.8M
+6.2% YoY — QoQ |
-$15.5M | $19.2M | $15.9M | $40.4M | 7% |
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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.