BlastPoint's Banking Scorecard
Producer Bank of Texas
Micro
Specialty: Other
TX
FDIC cert 18302
Designations: ✓ Community bank
Powell, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Producer Bank of Texas faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.92% below tier
- - Efficiency Ratio 53.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.5M
+9.6% YoY
+8.5% QoQ
|
-$164.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$19.3M
+26.8% YoY
+4.3% QoQ
|
-$119.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$37.7M
+14.1% YoY
+12.5% QoQ
|
-$146.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
-0.84%
+14.5% YoY
+40.0% QoQ
|
-1.92% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.28%
+0.4% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
121.38%
-63.9% YoY
-0.4% QoQ
|
+53.65% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.87%
-89.7% YoY
-81.3% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
51.15%
+11.2% YoY
-7.3% QoQ
|
-23.37% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.12%
-22.8% YoY
-11.2% QoQ
|
+6.72% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.72%
-72.8% YoY
-67.1% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| 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 ? |
0.49%
+49.4% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.84%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
121.38%
(Tier avg: 67.73%, National avg: 65.09%)
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
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.15% · Tier avg: 74.53%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.12% · Tier avg: 22.39%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
8
8th pctile
Total Assets
Current: $53.5M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $37.7M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $19.3M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -0.84% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 121.38% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 121.38% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.84% · Tier avg: 1.08%
6
6th pctile
Total Loans
Current: $19.3M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $37.7M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $53.5M · Tier avg: $217.5M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.12% · Tier avg: 22.39%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.15% · Tier avg: 74.53%