BlastPoint's Banking Scorecard
Columbus State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 12305
Designations: ✓ Community bank
Columbus, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Columbus State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.41% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$333.2M
+132.6% YoY
+10.5% QoQ
|
+$115.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$19.5M
+314.4% YoY
-3.8% QoQ
|
-$119.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$289.3M
+124.8% YoY
+13.2% QoQ
|
+$105.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.90%
-31.1% YoY
-1.9% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.45%
-20.2% YoY
-1.2% QoQ
|
-1.41% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
53.66%
+30.9% YoY
+0.1% QoQ
|
-14.07% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| 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 ? |
6.73%
+84.4% YoY
-15.1% QoQ
|
-67.80% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
31.04%
-2.0% YoY
-5.3% QoQ
|
+8.65% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| 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 ? |
50.56%
+32.8% YoY
+2.1% QoQ
|
+41.71% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.16%
+68.7% YoY
+9.5% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
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%
84
84th pctile
Efficiency Ratio
Current: 53.66% · Tier avg: 67.73%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
79
79th pctile
Total Deposits
Current: $289.3M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $333.2M · Tier avg: $217.5M
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $19.5M · Tier avg: $139.2M
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
6
6th pctile
Total Loans
Current: $19.5M · Tier avg: $139.2M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
78
78th pctile
Total Assets
Current: $333.2M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $289.3M · Tier avg: $183.7M
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
84
84th pctile
Efficiency Ratio
Current: 53.66% · Tier avg: 67.73%
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%