BlastPoint's Banking Scorecard
State Bank of De Kalb
Micro
Specialty: Commercial
TX
FDIC cert 15463
Designations: ✓ Community bank
De Kalb, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
State Bank of De Kalb shows strong momentum with 2 strengths and 12.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.27% above tier
- + Net Interest Margin 1.14% 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 ? |
$491.4M
+12.6% YoY
+1.2% QoQ
|
+$273.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$366.2M
+5.1% YoY
+0.1% QoQ
|
+$227.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$430.6M
+12.7% YoY
+1.1% QoQ
|
+$247.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.35%
+17.7% YoY
+1.7% QoQ
|
+1.27% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.00%
+9.1% YoY
+0.8% QoQ
|
+1.14% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
54.79%
-4.8% YoY
+0.1% QoQ
|
-12.94% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.30%
+28.3% YoY
-28.8% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
85.05%
-6.7% YoY
-1.0% QoQ
|
+10.52% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
26.64%
+2.7% YoY
+2.6% QoQ
|
+4.25% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.22%
+19.8% YoY
-29.6% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
55% |
| 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 ? |
0.81%
+8.3% YoY
+41.1% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
5.00%
(Tier avg: 3.85%, National avg: 3.75%)
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
Total Deposits
Current: $430.6M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $491.4M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $366.2M · Tier avg: $139.2M
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
82
82th pctile
Efficiency Ratio
Current: 54.79% · Tier avg: 67.73%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.64% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 85.05% · Tier avg: 74.53%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
Top Weaknesses
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
68
68th pctile
Loan-to-Deposit Ratio
Current: 85.05% · Tier avg: 74.53%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.64% · Tier avg: 22.39%
82
82th pctile
Efficiency Ratio
Current: 54.79% · Tier avg: 67.73%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 5.00% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
99
99th pctile
Total Loans
Current: $366.2M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $491.4M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $430.6M · Tier avg: $183.7M