BlastPoint's Banking Scorecard
Plains State Bank
Community
Specialty: Commercial
TX
FDIC cert 17739
Humble, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Plains State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 31% in Community
- + Profitability Leader: Top 34% in Community
- + Net Interest Margin 1.07% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18% in Community
- - Deposit Outflow: Bottom 29% in Community
- - Delinquency Rate 1.57% above tier
- - Nonperforming Asset Ratio 1.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$882.4M
+0.7% YoY
+4.3% QoQ
|
-$509.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$639.8M
-2.8% YoY
-4.0% QoQ
|
-$335.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$723.7M
-1.5% YoY
+4.2% QoQ
|
-$440.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
2.25%
+6.4% YoY
+18.1% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.74%
-5.2% YoY
-0.2% QoQ
|
+1.07% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
48.83%
+0.7% YoY
-7.7% QoQ
|
-13.80% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
2.19%
+236.0% YoY
+22.1% QoQ
|
+1.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
88.40%
-1.4% YoY
-7.9% QoQ
|
+5.34% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
19.54%
-7.6% YoY
-9.8% QoQ
|
-1.50% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.59%
+210.8% YoY
+11.0% QoQ
|
+1.09% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.00%
+98.1% YoY
+107.8% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#114 of 371 · Top 31% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.00%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#125 of 371 · Top 34% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.74%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (4)
Capital Thin
risk
#80 of 432 · Bottom 18% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#73 of 248 · Bottom 29% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.19%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.59%
(Tier avg: 0.50%, National avg: 0.48%)
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
Return on Assets
Current: 2.25% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
86
86th pctile
Efficiency Ratio
Current: 48.83% · Tier avg: 62.63%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.54% · Tier avg: 21.05%
44
44th pctile
Total Loans
Current: $639.8M · Tier avg: $975.5M
42
42th pctile
Total Assets
Current: $882.4M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $723.7M · Tier avg: $1.2B
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.63%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.40% · Tier avg: 83.06%
40
40th pctile
Total Deposits
Current: $723.7M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $882.4M · Tier avg: $1.4B
44
44th pctile
Total Loans
Current: $639.8M · Tier avg: $975.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.54% · Tier avg: 21.05%
86
86th pctile
Efficiency Ratio
Current: 48.83% · Tier avg: 62.63%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%