BlastPoint's Banking Scorecard

American State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 9967

Arp, TX

5 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 -1.8% year over year ($535.5M on the books).
Delinquency rate 2.05%.
Return on assets 0.08%.
Efficiency ratio 90.55% vs a 64.48% peer average.
Loan-to-deposit ratio 84.41% 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) →

American State Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 1.24% below tier average
- Net Interest Margin 1.14% below tier average
- Efficiency Ratio 26.07% above tier average
- Nonperforming Asset Ratio 2.03% above tier average
- Delinquency Rate 1.13% above tier average

Get updates when American State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$637.8M -3.6% YoY -2.3% QoQ	+$251.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$452.0M -7.5% YoY +1.1% QoQ	+$193.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$535.5M -1.8% YoY -2.9% QoQ	+$208.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	0.08% +446.7% YoY +141.4% QoQ	-1.24%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 4.2% in tier
Net Interest Margin ?	2.85% +11.0% YoY +7.9% QoQ	-1.14%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 6.7% in tier
Efficiency Ratio ?	90.55% -13.0% YoY -5.7% QoQ	+26.07%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 5.4% in tier
Delinquency Rate ?	2.05% +56.5% YoY -38.7% QoQ	+1.13%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 12.5% in tier
Loan-to-Deposit Ratio ?	84.41% -5.9% YoY +4.1% QoQ	+6.46%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	13.79% +3.1% YoY +4.2% QoQ	-8.24%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	2.70% +134.8% YoY -41.9% QoQ	+2.03%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 4.2% in tier
Tier 1 Capital Ratio ?	14.41% +4.3% YoY +2.1% QoQ	-1.50%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.20% +143.6% YoY +174.6% QoQ	-0.36%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	51%

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	13.8% +0.4pp YoY +0.6pp QoQ	-8.4pp	22.1%	29.2%	22.2%	20%
Brokered Deposits	5.3% -2.4pp YoY +1.4pp QoQ	-2.6pp	7.9%	8.0%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	6.4% +1.5pp YoY +0.4pp QoQ	-5.1pp	11.6%	14.8%	12.5%	28%
CRE	68.6% -2.5pp YoY -0.6pp QoQ	+29.1pp	39.5%	48.4%	41.4%	92%
1-4 Family	23.6% +0.8pp YoY +0.4pp QoQ	-9.0pp	32.6%	25.8%	31.3%	38%
Consumer	1.2% -0.1pp YoY -0.2pp QoQ	-3.0pp	4.1%	4.7%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.4% +0.6pp YoY +0.3pp QoQ	-4.4pp	18.8%	22.7%	19.7%	43%
Leverage Ratio	10.9% +0.4pp YoY +0.5pp QoQ	-1.3pp	12.2%	12.6%	12.6%	49%
Total Capital Ratio	15.6% +0.5pp YoY +0.2pp QoQ	-4.3pp	19.9%	23.8%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	67 -6 (-8.2%) YoY -1 (-1.5%) QoQ	+8	58	186	482	68%
Assets per Employee ($)	$9.5M +5.0% YoY -0.8% QoQ	+$2.0M	$7.5M	$10.1M	$8.8M	83%
Branch Count	5 0 YoY 0 QoQ	0	4	12	18	55%

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	2.1% +1.1pp YoY -1.3pp QoQ	+1.1pp	0.9%	1.0%	1.0%	88%
Allowance Coverage	0.59x -39.8% YoY +50.9% QoQ	-23.57x	24.15x	18.82x	20.23x	13%
Net Charge-off Rate (YTD)	0.9% +0.7pp YoY -0.6pp QoQ	+0.8pp	0.1%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	0.7% +0.9pp YoY +2.4pp QoQ	-11.5pp	12.2%	13.2%	11.6%	4%
Cost of Funds (YTD)	2.7% -0.5pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.6%	1.7%	94%
Net Income ($, YTD)	$263,000 +432.9% YoY — QoQ	-$2.3M	$2.6M	$15.9M	$40.4M	6%

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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 (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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

416

Total Loans

size

Value: $452.05M

Peer Median: $258.35M

#416 of 2643 Top 15.7% in $100M-$1B

444

Total Assets

size

Value: $637.82M

Peer Median: $386.57M

#444 of 2643 Top 16.8% in $100M-$1B

454

Total Deposits

size

Value: $535.51M

Peer Median: $326.73M

#454 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (6 metrics)

2534

Return on Assets

profitability

Value: 0.08%

Peer Median: 1.32%

#2534 of 2643 Bottom 4.2% in $100M-$1B

2533

Nonperforming Asset Ratio

credit_quality

Value: 2.70%

Peer Median: 0.67%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2501

Efficiency Ratio

profitability

Value: 90.55%

Peer Median: 64.48%

#2501 of 2643 Bottom 5.4% in $100M-$1B

2468

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.99%

#2468 of 2643 Bottom 6.7% in $100M-$1B

2306

Delinquency Rate

credit_quality

Value: 2.05%

Peer Median: 0.92%

#2306 of 2633 Bottom 12.5% in $100M-$1B

2112

Non-Interest-Bearing Deposit Share

funding

Value: 13.79%

Peer Median: 22.03%

#2112 of 2643 Bottom 20.1% in $100M-$1B