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Agility Bank, National Association

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

Houston, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Agility Bank, National Association has 2 strengths but faces 6 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 0.36% above tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 17.3% in tier
  • - Credit Risk Growth: Bottom 25.3% in tier
  • - Liquidity Strain: Bottom 26.4% in tier
  • - Credit Quality Pressure: Bottom 27.1% in tier
  • - Return on Assets 1.82% below tier average
  • - Efficiency Ratio 44.81% above tier average
Get updates when Agility Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $144.0M
+13.9% YoY +10.4% QoQ
-$242.1M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
Bottom 12.5% in tier
Total Loans ? $101.6M
+7.0% YoY +2.1% QoQ
-$154.2M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
20%
Total Deposits ? $112.5M
+20.1% YoY +14.2% QoQ
-$215.5M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Bottom 9.6% in tier
Return on Assets ? -0.55%
+76.8% YoY +18.5% QoQ
-1.82% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
Bottom 1.6% in tier
Net Interest Margin ? 4.29%
-12.8% YoY -12.4% QoQ
+0.36% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
73%
Efficiency Ratio ? 110.09%
-1.3% YoY +7.8% QoQ
+44.81% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
Bottom 1.3% in tier
Delinquency Rate ? 0.52%
+15.9% YoY -3.8% QoQ
-0.37% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
45%
Loan-to-Deposit Ratio ? 90.31%
-10.9% YoY -10.5% QoQ
+13.67% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
24%
Non-Interest-Bearing Deposit Share ? 25.43%
+10.0% YoY +6.4% QoQ
+3.41% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
68%
Nonperforming Asset Ratio ? 0.36%
+8.8% YoY -11.0% QoQ
-0.27% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
45%
Tier 1 Capital Ratio ? 21.58%
-16.1% YoY -2.2% QoQ
+5.75% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
Top 10.7% in tier
Non-Interest Income / Assets ? 0.05%
-83.3% YoY -86.4% QoQ
-0.23% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
22%

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 (4)

Liquidity Overhang

risk
#129 of 739 • Bottom 17.3% 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: 21.58%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 90.31%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#247 of 973 • Bottom 25.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#171 of 643 • Bottom 26.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.31%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#355 of 1308 • Bottom 27.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.52%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

285
Tier 1 Capital Ratio
capital
Value: 21.58%
Peer Median: 15.83%
#285 of 2664 Top 10.7% in $100M-$1B

Top Weaknesses (7 metrics)

2630
Efficiency Ratio
profitability
Value: 110.09%
Peer Median: 65.29%
#2630 of 2664 Bottom 1.3% in $100M-$1B
2623
Return on Assets
profitability
Value: -0.55%
Peer Median: 1.27%
#2623 of 2664 Bottom 1.6% in $100M-$1B
2409
Total Deposits
size
Value: $112.45M
Peer Median: $327.97M
#2409 of 2664 Bottom 9.6% in $100M-$1B
2332
Total Assets
size
Value: $143.97M
Peer Median: $386.08M
#2332 of 2664 Bottom 12.5% in $100M-$1B
2130
Total Loans
size
Value: $101.55M
Peer Median: $255.72M
#2130 of 2664 Bottom 20.1% in $100M-$1B
2080
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2080 of 2664 Bottom 22.0% in $100M-$1B
2035
Loan-to-Deposit Ratio
liquidity
Value: 90.31%
Peer Median: 76.64%
#2035 of 2664 Bottom 23.6% in $100M-$1B
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