BlastPoint's Banking Scorecard
The Donley County State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 11891
Designations: ✓ Community bank
Clarendon, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Donley County State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.21% above tier
- + Loan-to-Deposit Ratio 57.83% below tier
- + Non-Interest Income / Assets 1.68% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.0M
-0.3% YoY
+1.9% QoQ
|
-$167.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$6.6M
-17.0% YoY
-7.0% QoQ
|
-$132.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$39.6M
-3.2% YoY
+1.8% QoQ
|
-$144.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
2.29%
+111.7% YoY
-2.2% QoQ
|
+1.21% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
2.88%
+8.6% YoY
-1.6% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
50.58%
-23.0% YoY
+0.3% QoQ
|
-17.15% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
3.11%
+630.1% YoY
-86.3% QoQ
|
+2.47% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
16.69%
-14.3% YoY
-8.7% QoQ
|
-57.83% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.11%
+0.3% YoY
-0.1% QoQ
|
+0.71% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.41%
+507.5% YoY
-87.5% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
67.62%
+25.7% YoY
+4.1% QoQ
|
+58.77% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
2.25%
+145.3% YoY
+28.8% QoQ
|
+1.68% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.29%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
16.69%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.25%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.11%
(Tier avg: 0.64%, National avg: 0.66%)
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
Loan-to-Deposit Ratio
Current: 16.69% · Tier avg: 74.53%
98
98th pctile
Non-Interest Income / Assets
Current: 2.25% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.58% · Tier avg: 67.73%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
7
7th pctile
Total Deposits
Current: $39.6M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $50.0M · Tier avg: $217.5M
6
6th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.64%
2
2th pctile
Total Loans
Current: $6.6M · Tier avg: $139.2M
Top Weaknesses
2
2th pctile
Total Loans
Current: $6.6M · Tier avg: $139.2M
6
6th pctile
Delinquency Rate
Current: 3.11% · Tier avg: 0.64%
7
7th pctile
Total Assets
Current: $50.0M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $39.6M · Tier avg: $183.7M
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
89
89th pctile
Efficiency Ratio
Current: 50.58% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.25% · Tier avg: 0.56%
100
100th pctile
Loan-to-Deposit Ratio
Current: 16.69% · Tier avg: 74.53%