BlastPoint's Banking Scorecard
Crowell State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 10352
Designations: ✓ Community bank
Crowell, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Crowell State Bank shows strong momentum with 3 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.99% above tier
- + Net Interest Margin 1.36% above tier
- + Non-Interest-Bearing Deposit Share 22.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.5M
+5.9% YoY
+2.7% QoQ
|
-$163.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$27.9M
+14.3% YoY
+6.1% QoQ
|
-$111.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$48.4M
+5.0% YoY
+3.8% QoQ
|
-$135.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
2.07%
+22.2% YoY
-11.4% QoQ
|
+0.99% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.21%
+6.5% YoY
+1.3% QoQ
|
+1.36% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
59.78%
-6.4% YoY
+7.5% QoQ
|
-7.95% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.15%
-54.0% YoY
+1.5% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
57.71%
+8.8% YoY
+2.3% QoQ
|
-16.82% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
45.18%
-8.5% YoY
-4.9% QoQ
|
+22.79% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-50.4% YoY
+4.9% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.63%
-9.5% YoY
+28.2% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.21%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.18%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.18% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
68
68th pctile
Efficiency Ratio
Current: 59.78% · Tier avg: 67.73%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.71% · Tier avg: 74.53%
10
10th pctile
Total Deposits
Current: $48.4M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $27.9M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $54.5M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $54.5M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $27.9M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.4M · Tier avg: $183.7M
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.71% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
68
68th pctile
Efficiency Ratio
Current: 59.78% · Tier avg: 67.73%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.18% · Tier avg: 22.39%