BlastPoint's Banking Scorecard
Sundown State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 18780
Designations: ✓ Community bank
Sundown, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Sundown State Bank shows strong momentum with 2 strengths and 14.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.08% above tier
- + Efficiency Ratio 22.02% below 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 ? |
$308.0M
+14.8% YoY
+1.8% QoQ
|
+$90.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$200.6M
-5.7% YoY
+0.0% QoQ
|
+$61.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$273.6M
+14.4% YoY
+2.1% QoQ
|
+$90.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.17%
+27.8% YoY
+6.9% QoQ
|
+1.08% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.69%
+5.9% YoY
-0.8% QoQ
|
+0.84% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
45.71%
-13.6% YoY
-3.6% QoQ
|
-22.02% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 1.49% | +0.85% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
73.33%
-17.6% YoY
-2.0% QoQ
|
-1.20% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
29.56%
-5.2% YoY
+6.3% QoQ
|
+7.17% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? | 0.97% | +0.52% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.66%
+15.0% YoY
-1.5% QoQ
|
+4.81% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.68%
+58.5% YoY
+87.6% QoQ
|
+0.12% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.71%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Efficiency Ratio
Current: 45.71% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.56% · Tier avg: 22.39%
76
76th pctile
Total Deposits
Current: $273.6M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $200.6M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $308.0M · Tier avg: $217.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.33% · Tier avg: 74.53%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
Top Weaknesses
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.45%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.33% · Tier avg: 74.53%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.66% · Tier avg: 8.85%
74
74th pctile
Total Assets
Current: $308.0M · Tier avg: $217.5M
74
74th pctile
Total Loans
Current: $200.6M · Tier avg: $139.2M
76
76th pctile
Total Deposits
Current: $273.6M · Tier avg: $183.7M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.56% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.71% · Tier avg: 67.73%