BlastPoint's Banking Scorecard
R Bank
Designations: ✓ Community bank
Round Rock, TX
10 branches across TX
R Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.28% below tier average
- - ROA 0.73% below tier average
- - Efficiency Ratio 15.82% above tier average
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.9% YoY
-1.5% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.4% in tier |
| Total Loans ? |
$753.5M
-4.5% YoY
-2.9% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.7% in tier |
| Total Deposits ? |
$933.6M
+3.9% YoY
-1.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.0% in tier |
| Return on Assets ? |
0.63%
+18.3% YoY
-5.5% QoQ
|
-0.73% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.8% in tier |
| Net Interest Margin ? |
3.97%
+10.5% YoY
+7.7% QoQ
|
+0.15% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
76.88%
-7.4% YoY
+1.9% QoQ
|
+15.82% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate ? |
1.60%
-24.7% YoY
-21.6% QoQ
|
+0.71% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
80.71%
-8.0% YoY
-1.1% QoQ
|
-3.49% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
20.80%
+4.8% YoY
+1.9% QoQ
|
-0.49% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.18%
-28.7% YoY
-26.8% QoQ
|
+0.51% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.01%
+9.2% YoY
+6.1% QoQ
|
-2.15% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
-0.02%
-144.4% YoY
-104.4% QoQ
|
-0.28% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.6% 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.