BlastPoint's Banking Scorecard
Texas Traditions Bank
Katy, TX
2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +74.0% year over year ($500.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.82%.
- Efficiency ratio 71.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Texas Traditions Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 40.3% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.51% below tier average
- - Efficiency Ratio 6.78% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$555.9M
+66.1% YoY
+3.2% QoQ
|
+$169.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$296.2M
+26.6% YoY
+11.6% QoQ
|
+$37.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$500.4M
+74.0% YoY
+3.2% QoQ
|
+$173.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
0.82%
-2.3% YoY
+2.1% QoQ
|
-0.51% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
4.58%
-17.0% YoY
+0.5% QoQ
|
+0.60% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
71.26%
-4.6% YoY
-2.0% QoQ
|
+6.78% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
59.18%
-27.2% YoY
+8.1% QoQ
|
-18.77% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
40.51%
+12.8% YoY
-0.0% QoQ
|
+18.47% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 4.4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.39%
-30.7% YoY
-2.1% QoQ
|
-6.52% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
-21.9% YoY
+113.2% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.6% 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 |
40.5%
+4.6pp YoY 0.0pp QoQ |
+18.4pp | 22.1% | 29.2% | 22.2% | 96% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
19.2%
-0.7pp YoY +0.4pp QoQ |
+7.6pp | 11.6% | 14.8% | 12.5% | 86% |
| CRE |
71.8%
+0.1pp YoY -0.5pp QoQ |
+32.3pp | 39.5% | 48.4% | 41.4% | 94% |
| 1-4 Family |
7.6%
0.0pp YoY -0.1pp QoQ |
-25.0pp | 32.6% | 25.8% | 31.3% | 8% |
| Consumer |
0.5%
0.0pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 4.7% | 5.0% | 16% |
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 |
9.4%
-4.2pp YoY -0.2pp QoQ |
-2.8pp | 12.2% | 12.6% | 12.6% | 19% |
| 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 |
58
+6 (+11.5%) YoY +1 (+1.8%) QoQ |
-1 | 58 | 186 | 482 | 61% |
| Assets per Employee ($) |
$9.6M
+48.9% YoY +1.4% QoQ |
+$2.1M | $7.5M | $10.1M | $8.8M | 84% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+2.9pp YoY +0.2pp QoQ |
-3.3pp | 12.2% | 13.2% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 54% |
| Net Income ($, YTD) |
$2.1M
+70.6% YoY — QoQ |
-$423K | $2.6M | $15.9M | $40.4M | 55% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.