BlastPoint's Banking Scorecard
Stockmens National Bank in Cotulla
Micro
Specialty: Other
TX
FDIC cert 14864
Designations: ✓ Community bank
Cotulla, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Stockmens National Bank in Cotulla has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 19.88% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.11% above tier
- - Loan-to-Deposit Ratio 49.29% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$124.6M
+2.7% YoY
+9.1% QoQ
|
-$92.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$28.5M
-2.4% YoY
+1.8% QoQ
|
-$110.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$112.9M
+1.2% YoY
+11.2% QoQ
|
-$70.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.60%
-9.6% YoY
-0.1% QoQ
|
+0.51% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.29%
-2.0% YoY
-1.4% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
53.19%
+6.5% YoY
-0.9% QoQ
|
-14.53% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
3.75%
+17.4% YoY
-0.2% QoQ
|
+3.11% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
25.23%
-3.5% YoY
-8.4% QoQ
|
-49.29% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.27%
-12.7% YoY
+14.3% QoQ
|
+19.88% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.86%
+11.6% YoY
-28.7% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
23% |
| 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 ? |
0.33%
-12.3% YoY
+21.3% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
42.27%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.75%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
25.23%
(Tier avg: 74.53%, National avg: 78.04%)
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-Bearing Deposit Share
Current: 42.27% · Tier avg: 22.39%
85
85th pctile
Efficiency Ratio
Current: 53.19% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
33
33th pctile
Total Deposits
Current: $112.9M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $124.6M · Tier avg: $217.5M
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
10
10th pctile
Total Loans
Current: $28.5M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.23% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 3.75% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.75% · Tier avg: 0.64%
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.23% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $28.5M · Tier avg: $139.2M
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.45%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
30
30th pctile
Total Assets
Current: $124.6M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.9M · Tier avg: $183.7M
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 53.19% · Tier avg: 67.73%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 42.27% · Tier avg: 22.39%