BlastPoint's Banking Scorecard
The Lytle State Bank of Lytle, Texas
Micro
Specialty: Other
TX
FDIC cert 15501
Designations: ✓ Community bank
Lytle, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Lytle State Bank of Lytle, Texas shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$107.6M
-1.2% YoY
-1.3% QoQ
|
-$109.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$43.6M
-3.1% YoY
+0.4% QoQ
|
-$95.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$91.9M
-5.8% YoY
+1.3% QoQ
|
-$91.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.48%
-56.2% YoY
-9.5% QoQ
|
-0.61% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
4.03%
+9.5% YoY
-0.3% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
80.87%
+12.2% YoY
+1.1% QoQ
|
+13.14% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.39%
+88.9% YoY
+90.3% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
47.46%
+2.8% YoY
-0.8% QoQ
|
-27.07% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.17%
-5.5% YoY
-4.3% QoQ
|
+6.78% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.16%
+85.3% YoY
+93.7% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
60% |
| 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%
-44.2% YoY
+29.1% 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 (0)
No strengths identified
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
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.46% · Tier avg: 74.53%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
26
26th pctile
Total Deposits
Current: $91.9M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $107.6M · Tier avg: $217.5M
20
20th pctile
Efficiency Ratio
Current: 80.87% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
17
17th pctile
Total Loans
Current: $43.6M · Tier avg: $139.2M
Top Weaknesses
17
17th pctile
Total Loans
Current: $43.6M · Tier avg: $139.2M
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.87% · Tier avg: 67.73%
25
25th pctile
Total Assets
Current: $107.6M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.9M · Tier avg: $183.7M
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.46% · Tier avg: 74.53%