BlastPoint's Banking Scorecard
Robert Lee State Bank
Micro
Specialty: Other
TX
FDIC cert 15442
Designations: ✓ Community bank
Robert Lee, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Robert Lee State Bank shows strong momentum with 1 strength and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.10% below 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 ? |
$44.2M
+10.5% YoY
-2.0% QoQ
|
-$173.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$16.3M
+9.3% YoY
+0.1% QoQ
|
-$122.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$38.4M
+9.5% YoY
-2.5% QoQ
|
-$145.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.38%
+25.4% YoY
-34.7% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.69%
+7.2% YoY
+0.5% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
85.33%
-3.5% YoY
+0.9% QoQ
|
+17.60% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
2.32%
+213.5% YoY
-26.1% QoQ
|
+1.68% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
42.43%
-0.2% YoY
+2.7% QoQ
|
-32.10% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.86%
-10.5% YoY
+10.6% QoQ
|
+11.47% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.85%
+210.1% YoY
-24.5% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
24% |
| 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 ? |
0.46%
-15.3% YoY
+35.2% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
42.43%
(Tier avg: 74.53%, National avg: 78.04%)
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
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.43% · Tier avg: 74.53%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.86% · Tier avg: 22.39%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.33% · Tier avg: 67.73%
11
11th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.64%
7
7th pctile
Total Deposits
Current: $38.4M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.2M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $16.3M · Tier avg: $139.2M
Top Weaknesses
5
5th pctile
Total Loans
Current: $16.3M · Tier avg: $139.2M
6
6th pctile
Total Assets
Current: $44.2M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $38.4M · Tier avg: $183.7M
11
11th pctile
Delinquency Rate
Current: 2.32% · Tier avg: 0.64%
13
13th pctile
Efficiency Ratio
Current: 85.33% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
44
44th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.86% · Tier avg: 22.39%
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.43% · Tier avg: 74.53%