BlastPoint's Banking Scorecard
Texas Champion Bank
Micro
Specialty: Commercial
TX
FDIC cert 11159
Designations: ✓ Community bank
Corpus Christi, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texas Champion Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.89% 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 ? |
$453.2M
+2.1% YoY
+2.5% QoQ
|
+$235.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$335.6M
-3.2% YoY
-1.0% QoQ
|
+$196.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$346.2M
+3.7% YoY
+4.2% QoQ
|
+$162.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.90%
-0.9% YoY
-4.0% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.51%
+1.7% YoY
+0.2% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
73.70%
-0.6% YoY
+0.1% QoQ
|
+5.97% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.53%
+290.7% YoY
+12.4% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
96.96%
-6.6% YoY
-5.0% QoQ
|
+22.43% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.29%
-7.5% YoY
-4.1% QoQ
|
+15.89% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+460.6% YoY
-27.8% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.28%
-19.1% YoY
+6.5% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.29%
(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
97
97th pctile
Total Loans
Current: $335.6M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $453.2M · Tier avg: $217.5M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.29% · Tier avg: 22.39%
89
89th pctile
Total Deposits
Current: $346.2M · Tier avg: $183.7M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.70% · Tier avg: 67.73%
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.96% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.96% · Tier avg: 74.53%
32
32th pctile
Efficiency Ratio
Current: 73.70% · Tier avg: 67.73%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
89
89th pctile
Total Deposits
Current: $346.2M · Tier avg: $183.7M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.29% · Tier avg: 22.39%
95
95th pctile
Total Assets
Current: $453.2M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $335.6M · Tier avg: $139.2M