BlastPoint's Banking Scorecard
Commercial State Bank
Micro
Specialty: Other
TX
FDIC cert 10330
Designations: ✓ Community bank
Palmer, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Commercial State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.40% above tier
- + Loan-to-Deposit Ratio 34.69% below tier
- + Non-Interest-Bearing Deposit Share 36.56% above tier
- + Tier 1 Capital Ratio 16.65% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.63% above tier
- - Nonperforming Asset Ratio 2.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.4M
+12.8% YoY
-4.7% QoQ
|
-$97.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$42.9M
+2.6% YoY
-0.6% QoQ
|
-$96.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$107.8M
+12.2% YoY
-4.9% QoQ
|
-$75.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.59%
-12.8% YoY
-22.3% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
5.25%
-4.2% YoY
-0.2% QoQ
|
+1.40% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
61.05%
+3.9% YoY
+3.3% QoQ
|
-6.68% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
5.27%
+270.2% YoY
-23.9% QoQ
|
+4.63% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
39.84%
-8.5% YoY
+4.6% QoQ
|
-34.69% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
58.95%
+9.6% YoY
-5.0% QoQ
|
+36.56% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
2.73%
+388.7% YoY
-14.1% QoQ
|
+2.28% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
25.50%
+4.9% YoY
+0.5% QoQ
|
+16.65% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.75%
+3.1% YoY
+45.4% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.25%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
39.84%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
58.95%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.50%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.27%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 58.95% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.84% · Tier avg: 74.53%
94
94th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.85%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.50% · Tier avg: 8.85%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 61.05% · Tier avg: 67.73%
31
31th pctile
Total Deposits
Current: $107.8M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $120.4M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $42.9M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 5.27% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.73% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.73% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.27% · Tier avg: 0.64%
16
16th pctile
Total Loans
Current: $42.9M · Tier avg: $139.2M
29
29th pctile
Total Assets
Current: $120.4M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.8M · Tier avg: $183.7M
64
64th pctile
Efficiency Ratio
Current: 61.05% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.50% · Tier avg: 8.85%
94
94th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.84% · Tier avg: 74.53%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 58.95% · Tier avg: 22.39%