BlastPoint's Banking Scorecard

Agility Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 59239

Houston, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +19.9% year over year ($120.3M on the books).
Delinquency rate 1.20%.
Return on assets -0.44%.
Efficiency ratio 105.38% vs a 64.48% peer average.
Loan-to-deposit ratio 81.54% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Agility Bank, National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 35.3% in tier
- Return on Assets 1.76% below tier average
- Efficiency Ratio 40.91% above tier average
- Delinquency Rate 0.28% above tier average

Get updates when Agility Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$151.6M +14.4% YoY +5.3% QoQ	-$234.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 14.6% in tier
Total Loans ?	$98.1M -1.3% YoY -3.4% QoQ	-$160.2M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$120.3M +19.9% YoY +7.0% QoQ	-$206.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 11.8% in tier
Return on Assets ?	-0.44% +70.4% YoY +20.1% QoQ	-1.76%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 1.9% in tier
Net Interest Margin ?	4.17% -14.4% YoY -3.0% QoQ	+0.18%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	105.38% -6.3% YoY -4.3% QoQ	+40.91%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 2.0% in tier
Delinquency Rate ?	1.20% +132.6% QoQ	+0.28%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	81.54% -17.7% YoY -9.7% QoQ	+3.59%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	27.72% +3.6% YoY +9.0% QoQ	+5.69%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.77% +113.3% QoQ	+0.11%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	19.99% -11.1% YoY -7.3% QoQ	+4.08%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 13.8% in tier
Non-Interest Income / Assets ?	0.09% -73.0% YoY +68.0% QoQ	-0.48%	0.57% +7.6% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	27.7% +1.0pp YoY +2.3pp QoQ	+5.6pp	22.1%	29.2%	22.2%	75%
Brokered Deposits	0.8%	-7.0pp	7.9%	8.0%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	29.4% +1.0pp YoY -1.6pp QoQ	+17.8pp	11.6%	14.8%	12.5%	96%
CRE	66.7% -0.2pp YoY +2.1pp QoQ	+27.1pp	39.5%	48.4%	41.4%	90%
1-4 Family	5.4% -0.7pp YoY -0.3pp QoQ	-27.2pp	32.6%	25.8%	31.3%	5%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	4.7%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	20.0% -2.5pp YoY -1.6pp QoQ	+7.8pp	12.2%	12.6%	12.6%	96%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	19 -8 (-29.6%) YoY -7 (-26.9%) QoQ	-40	58	186	482	9%
Assets per Employee ($)	$8.0M +62.6% YoY +44.1% QoQ	+$463K	$7.5M	$10.1M	$8.8M	68%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.2% +1.1pp YoY +0.7pp QoQ	+0.3pp	0.9%	1.0%	1.0%	76%
Allowance Coverage	1.50x -92.0% YoY -53.5% QoQ	-22.65x	24.15x	18.82x	20.23x	39%
Net Charge-off Rate (YTD)	0.3% -0.5pp YoY -0.2pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	-2.1% +3.9pp YoY +0.5pp QoQ	-14.3pp	12.2%	13.2%	11.6%	3%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	76%
Net Income ($, YTD)	$-311000.0 +65.3% YoY — QoQ	-$2.9M	$2.6M	$15.9M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#263 of 742 • Bottom 35.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.99%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 81.54%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

366

Tier 1 Capital Ratio

capital

Value: 19.99%

Peer Median: 15.91%

#366 of 2643 Top 13.8% in $100M-$1B

649

Non-Interest-Bearing Deposit Share

funding

Value: 27.72%

Peer Median: 22.03%

#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (7 metrics)

2594

Return on Assets

profitability

Value: -0.44%

Peer Median: 1.32%

#2594 of 2643 Bottom 1.9% in $100M-$1B

2592

Efficiency Ratio

profitability

Value: 105.38%

Peer Median: 64.48%

#2592 of 2643 Bottom 2.0% in $100M-$1B

2332

Total Deposits

size

Value: $120.31M

Peer Median: $326.73M

#2332 of 2643 Bottom 11.8% in $100M-$1B

2259

Total Assets

size

Value: $151.64M

Peer Median: $386.57M

#2259 of 2643 Bottom 14.6% in $100M-$1B

2229

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2229 of 2643 Bottom 15.7% in $100M-$1B

2162

Total Loans

size

Value: $98.10M

Peer Median: $258.35M

#2162 of 2643 Bottom 18.2% in $100M-$1B

1997

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.92%

#1997 of 2633 Bottom 24.2% in $100M-$1B