BlastPoint's Banking Scorecard
The Bank and Trust, S.S.B.
Community
Specialty: Other
TX
FDIC cert 1184
Del Rio, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The Bank and Trust, S.S.B. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18% in Community
- + Credit Quality Leader: Top 31% in Community
- + Deposit Franchise: Top 49% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$584.8M
+8.7% YoY
+0.2% QoQ
|
-$806.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$368.4M
+4.6% YoY
+2.0% QoQ
|
-$607.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$530.5M
+7.8% YoY
-0.1% QoQ
|
-$634.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.57%
+9.3% YoY
+3.7% QoQ
|
+0.41% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.40%
+3.5% YoY
+0.7% QoQ
|
+0.73% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
71.66%
-1.3% YoY
-0.8% QoQ
|
+9.02% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.06%
+7.7% YoY
|
-0.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
69.44%
-3.0% YoY
+2.2% QoQ
|
-13.63% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
36.38%
+3.0% YoY
-2.9% QoQ
|
+15.33% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+3.6% YoY
|
-0.46% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
17.70%
-1.1% YoY
-0.7% QoQ
|
+7.46% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
1.58%
+3.2% YoY
+36.5% QoQ
|
+0.84% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#69 of 371 · Top 18% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.58%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.57%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#115 of 371 · Top 31% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#74 of 150 · Top 49% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
36.38%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.40%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#18 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#68 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.38% · Tier avg: 21.05%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.70% · Tier avg: 10.24%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 71.66% · Tier avg: 62.63%
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.44% · Tier avg: 83.06%
18
18th pctile
Total Deposits
Current: $530.5M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $584.8M · Tier avg: $1.4B
11
11th pctile
Total Loans
Current: $368.4M · Tier avg: $975.5M
Top Weaknesses
11
11th pctile
Total Loans
Current: $368.4M · Tier avg: $975.5M
12
12th pctile
Total Assets
Current: $584.8M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $530.5M · Tier avg: $1.2B
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.44% · Tier avg: 83.06%
23
23th pctile
Efficiency Ratio
Current: 71.66% · Tier avg: 62.63%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.70% · Tier avg: 10.24%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.38% · Tier avg: 21.05%
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%