BlastPoint's Banking Scorecard
Pilgrim Bank
Community
Specialty: Commercial
TX
FDIC cert 16891
Pittsburg, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Pilgrim Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$723.0M
+4.3% YoY
+0.2% QoQ
|
-$668.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$480.9M
-0.5% YoY
+1.2% QoQ
|
-$494.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$588.2M
+5.8% YoY
+0.7% QoQ
|
-$576.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.74%
+6.7% YoY
+3.5% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.71%
+0.1% YoY
+1.7% QoQ
|
-0.96% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
73.36%
-1.4% YoY
-0.5% QoQ
|
+10.73% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 0.42% | -0.21% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
81.75%
-5.9% YoY
+0.5% QoQ
|
-1.31% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
30.66%
-6.7% YoY
+0.2% QoQ
|
+9.62% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? | 0.28% | -0.22% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.09%
+0.8% YoY
-0.4% QoQ
|
+3.85% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.38%
+14.3% YoY
+58.8% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
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
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.66% · Tier avg: 21.05%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.75% · Tier avg: 83.06%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
29
29th pctile
Total Assets
Current: $723.0M · Tier avg: $1.4B
28
28th pctile
Total Loans
Current: $480.9M · Tier avg: $975.5M
26
26th pctile
Total Deposits
Current: $588.2M · Tier avg: $1.2B
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.36% · Tier avg: 62.63%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
20
20th pctile
Efficiency Ratio
Current: 73.36% · Tier avg: 62.63%
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
26
26th pctile
Total Deposits
Current: $588.2M · Tier avg: $1.2B
28
28th pctile
Total Loans
Current: $480.9M · Tier avg: $975.5M
29
29th pctile
Total Assets
Current: $723.0M · Tier avg: $1.4B
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
58
58th pctile
Loan-to-Deposit Ratio
Current: 81.75% · Tier avg: 83.06%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.66% · Tier avg: 21.05%