BlastPoint's Banking Scorecard
The Buckholts State Bank
Micro
Specialty: Commercial
TX
FDIC cert 11916
Designations: ✓ Community bank
Buckholts, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Buckholts State Bank shows strong momentum with 3 strengths and 9.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.83% above tier
- + Efficiency Ratio 29.28% below tier
- + Tier 1 Capital Ratio 20.46% 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 ? |
$134.6M
+9.8% YoY
+1.7% QoQ
|
-$82.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$82.1M
+3.6% YoY
+0.3% QoQ
|
-$57.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$110.7M
+9.3% YoY
+1.2% QoQ
|
-$73.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
2.92%
+8.9% YoY
-0.6% QoQ
|
+1.83% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.63%
+3.4% YoY
+3.1% QoQ
|
+0.78% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
38.45%
-8.2% YoY
+5.8% QoQ
|
-29.28% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.10%
-82.7% YoY
-80.6% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
74.16%
-5.2% YoY
-0.9% QoQ
|
-0.37% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
35.37%
+2.9% YoY
+1.8% QoQ
|
+12.97% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-83.6% YoY
-80.9% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
29.32%
+8.7% YoY
+3.9% QoQ
|
+20.46% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.19%
-8.5% YoY
+28.5% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.45%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.32%
(Tier avg: 8.85%, National avg: 9.75%)
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
99
99th pctile
Efficiency Ratio
Current: 38.45% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.32% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.37% · Tier avg: 22.39%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.16% · Tier avg: 74.53%
35
35th pctile
Total Loans
Current: $82.1M · Tier avg: $139.2M
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $110.7M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
32
32th pctile
Total Deposits
Current: $110.7M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $134.6M · Tier avg: $217.5M
35
35th pctile
Total Loans
Current: $82.1M · Tier avg: $139.2M
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.16% · Tier avg: 74.53%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.37% · Tier avg: 22.39%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.32% · Tier avg: 8.85%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 38.45% · Tier avg: 67.73%