BlastPoint's Banking Scorecard
Bank of Texas
Community
Specialty: Commercial
TX
FDIC cert 18576
Midland, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Bank of Texas has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above tier
- + Efficiency Ratio 27.38% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2% in Community
- - Deposit Outflow: Bottom 4% in Community
- - Cost Spiral: Bottom 15% in Community
- - Margin Compression: Bottom 33% in Community
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$526.0M
+0.1% YoY
-2.7% QoQ
|
-$865.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$401.3M
-10.5% YoY
+2.4% QoQ
|
-$574.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$420.2M
-1.6% YoY
-3.6% QoQ
|
-$744.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.08%
-20.4% YoY
-2.4% QoQ
|
+0.91% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.13%
-14.7% YoY
-2.2% QoQ
|
+0.46% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
35.25%
+20.4% YoY
+2.8% QoQ
|
-27.38% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.09%
-92.5% YoY
-29.4% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
95.49%
-9.1% YoY
+6.2% QoQ
|
+12.43% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
27.07%
-20.6% YoY
-1.8% QoQ
|
+6.03% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.07%
-93.3% YoY
-25.7% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
14.29%
+36.3% YoY
+1.2% QoQ
|
+4.05% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.07%
-3.8% YoY
+37.2% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.25%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (5)
Liquidity Strain
risk
#9 of 513 · Bottom 2% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.49%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Deposit Outflow
decline
#12 of 248 · Bottom 4% 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
Cost Spiral
risk
#7 of 40 · Bottom 15% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
35.25%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#40 of 120 · Bottom 33% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.08%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
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
98
98th pctile
Efficiency Ratio
Current: 35.25% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.07% · Tier avg: 21.05%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.29% · Tier avg: 10.24%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.49% · Tier avg: 83.06%
15
15th pctile
Total Loans
Current: $401.3M · Tier avg: $975.5M
4
4th pctile
Total Assets
Current: $526.0M · Tier avg: $1.4B
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
2
2th pctile
Total Deposits
Current: $420.2M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $420.2M · Tier avg: $1.2B
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
4
4th pctile
Total Assets
Current: $526.0M · Tier avg: $1.4B
15
15th pctile
Total Loans
Current: $401.3M · Tier avg: $975.5M
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.49% · Tier avg: 83.06%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.29% · Tier avg: 10.24%
75
75th pctile
Net Interest Margin
Current: 4.13% · Tier avg: 3.66%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.07% · Tier avg: 21.05%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 35.25% · Tier avg: 62.63%