BlastPoint's Banking Scorecard
Texas State Bank
Micro
Specialty: Commercial
TX
FDIC cert 18698
Designations: ✓ Community bank
San Angelo, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texas State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 23.32% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.70% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$430.3M
+1.6% YoY
+1.1% QoQ
|
+$212.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$268.7M
+6.8% YoY
+3.4% QoQ
|
+$129.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$361.3M
+6.3% YoY
+5.2% QoQ
|
+$177.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
2.39%
+8.1% YoY
+2.4% QoQ
|
+1.31% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.37%
+12.0% YoY
+2.2% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
53.01%
+1.4% YoY
-0.6% QoQ
|
-14.71% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.36%
+0.4% YoY
-1.7% QoQ
|
-0.16% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
45.71%
-0.1% YoY
-1.4% QoQ
|
+23.32% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
19.40%
-1.5% YoY
-9.2% QoQ
|
+10.55% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
1.26%
+0.7% YoY
+31.1% QoQ
|
+0.70% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.71%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.26%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.71% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
92
92th pctile
Total Assets
Current: $430.3M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $361.3M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $268.7M · Tier avg: $139.2M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 8.85%
85
85th pctile
Efficiency Ratio
Current: 53.01% · Tier avg: 67.73%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.36% · Tier avg: 74.53%
Top Weaknesses
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.36% · Tier avg: 74.53%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
85
85th pctile
Efficiency Ratio
Current: 53.01% · Tier avg: 67.73%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 8.85%
87
87th pctile
Total Loans
Current: $268.7M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $361.3M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $430.3M · Tier avg: $217.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.08%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.71% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%