BlastPoint's Banking Scorecard

Texas Traditions Bank

$100M-$1B Specialty: Commercial TX FDIC cert 59304

Katy, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Texas Traditions Bank has 3 strengths but faces 3 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

+ Deposit Franchise: Top 36.4% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.47% below tier average
- Efficiency Ratio 7.44% above tier average

Get updates when Texas Traditions Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$538.7M +89.0% YoY +13.8% QoQ	+$152.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$265.4M +25.0% YoY +2.3% QoQ	+$9.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$485.0M +104.1% YoY +14.6% QoQ	+$157.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.80% -2.6% YoY -10.3% QoQ	-0.47%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	4.56% -19.4% YoY -12.9% QoQ	+0.63%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	72.73% -4.9% YoY +1.2% QoQ	+7.44%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	54.72% -38.8% YoY -10.8% QoQ	-21.92%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 13.3% in tier
Non-Interest-Bearing Deposit Share ?	40.51% +6.3% YoY -4.8% QoQ	+18.49%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 4.3% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.59% -34.5% YoY -4.3% QoQ	-6.24%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 5.5% in tier
Non-Interest Income / Assets ?	0.02% -32.1% YoY -76.5% QoQ	-0.26%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 3.5% in tier

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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 (1)

Deposit Franchise

growth

#100 of 272 • Top 36.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 40.51%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.56%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

116

Non-Interest-Bearing Deposit Share

funding

Value: 40.51%

Peer Median: 22.02%

#116 of 2664 Top 4.3% in $100M-$1B

355

Loan-to-Deposit Ratio

liquidity

Value: 54.72%

Peer Median: 76.64%

#355 of 2664 Top 13.3% in $100M-$1B

434

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.93%

#434 of 2664 Top 16.3% in $100M-$1B

586

Total Deposits

size

Value: $484.96M

Peer Median: $327.97M

#586 of 2664 Top 22.0% in $100M-$1B

655

Total Assets

size

Value: $538.74M

Peer Median: $386.08M

#655 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (2 metrics)

2572

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2572 of 2664 Bottom 3.5% in $100M-$1B

2519

Tier 1 Capital Ratio

capital

Value: 9.59%

Peer Median: 15.83%

#2519 of 2664 Bottom 5.5% in $100M-$1B