BlastPoint's Banking Scorecard
Broadway National Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 15797
San Antonio, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Broadway National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14% in Mid-Market
- + Loan-to-Deposit Ratio 24.22% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
+3.2% YoY
+1.4% QoQ
|
-$4.6B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$3.3B
-5.5% YoY
-4.5% QoQ
|
-$3.9B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$5.3B
+1.9% YoY
+1.0% QoQ
|
-$3.2B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.35%
+17.8% YoY
+1.4% QoQ
|
+0.19% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.24%
+5.7% YoY
-0.2% QoQ
|
-0.16% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
64.07%
-4.6% YoY
+0.3% QoQ
|
+7.47% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.25%
+74.5% YoY
+96.9% QoQ
|
-0.44% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
61.25%
-7.3% YoY
-5.4% QoQ
|
-24.22% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.98%
-4.0% YoY
-2.5% QoQ
|
-0.66% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.44%
+16.2% YoY
+32.4% QoQ
|
-0.06% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
15.36%
+14.2% YoY
+8.7% QoQ
|
+1.81% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.87%
+0.1% YoY
+29.9% QoQ
|
-0.09% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#8 of 50 · Top 14% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 6%
in Mid-Market
Loan-to-Deposit Ratio sits in the healthy 60-90% band and at the top of tier peers. Deposit base is being deployed efficiently into loans without stretching liquidity.
Why this stands out
Current:
61.25%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (1)
Credit Quality Pressure
risk
#22 of 113 · Bottom 19% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
Loan-to-Deposit Ratio
Current: 61.25% · Tier avg: 85.47%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 13.55%
81
81th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
71
71th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.96%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 20.64%
36
36th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.40%
27
27th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
24
24th pctile
Efficiency Ratio
Current: 64.07% · Tier avg: 56.60%
18
18th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
7
7th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
Top Weaknesses
7
7th pctile
Total Loans
Current: $3.3B · Tier avg: $7.1B
18
18th pctile
Total Assets
Current: $5.9B · Tier avg: $10.5B
24
24th pctile
Efficiency Ratio
Current: 64.07% · Tier avg: 56.60%
27
27th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
36
36th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.40%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 20.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
71
71th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.96%
81
81th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 13.55%
94
94th pctile
Loan-to-Deposit Ratio
Current: 61.25% · Tier avg: 85.47%