BlastPoint's Banking Scorecard
Avana Bank
Micro
Specialty: Commercial
TX
FDIC cert 10704
Designations: ✓ Community bank
Abilene, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Avana Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.11% below tier
- + Non-Interest-Bearing Deposit Share 25.83% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.97% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
- - Efficiency Ratio 24.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.6M
+3.6% YoY
+7.4% QoQ
|
-$176.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$12.9M
+50.7% YoY
+29.1% QoQ
|
-$126.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$31.1M
+2.6% YoY
+6.6% QoQ
|
-$152.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.19%
+187.2% YoY
+118.3% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
4.20%
-18.6% YoY
-3.0% QoQ
|
+0.35% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
92.14%
-10.5% YoY
-26.9% QoQ
|
+24.42% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
41.41%
+46.9% YoY
+21.1% QoQ
|
-33.11% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.22%
+34.5% YoY
+6.9% QoQ
|
+25.83% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
1.53%
+455.0% YoY
+660.6% QoQ
|
+0.97% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.41%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
48.22%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.53%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.14%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.22% · Tier avg: 22.39%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.41% · Tier avg: 74.53%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.14% · Tier avg: 67.73%
5
5th pctile
Total Assets
Current: $40.6M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $31.1M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $12.9M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $12.9M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $31.1M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.6M · Tier avg: $217.5M
8
8th pctile
Efficiency Ratio
Current: 92.14% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.41% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.22% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%