BlastPoint's Banking Scorecard
The Bank of San Jacinto County, Coldspring, Texas
Micro
Specialty: Mortgage
TX
FDIC cert 18942
Designations: ✓ Community bank
Coldspring, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Bank of San Jacinto County, Coldspring, Texas demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.31% above tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 40.80% below tier
- + Non-Interest-Bearing Deposit Share 43.66% above tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$43.5M
-1.9% YoY
-0.0% QoQ
|
-$174.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$12.4M
+0.4% YoY
-7.0% QoQ
|
-$126.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$36.8M
-5.2% YoY
-0.2% QoQ
|
-$146.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.62%
-24.8% YoY
-22.6% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.17%
-3.1% YoY
-0.1% QoQ
|
+1.31% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
71.11%
+11.0% YoY
+13.2% QoQ
|
+3.38% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| 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 ? |
33.72%
+5.9% YoY
-6.8% QoQ
|
-40.80% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
66.05%
+1.8% YoY
+0.2% QoQ
|
+43.66% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.73%
-21.7% YoY
+30.9% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (5)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.17%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.72%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
66.05%
(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%)
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%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 66.05% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.72% · Tier avg: 74.53%
93
93th pctile
Net Interest Margin
Current: 5.17% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Efficiency Ratio
Current: 71.11% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $43.5M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $12.4M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $12.4M · Tier avg: $139.2M
6
6th pctile
Total Assets
Current: $43.5M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
37
37th pctile
Efficiency Ratio
Current: 71.11% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.17% · Tier avg: 3.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.72% · Tier avg: 74.53%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 66.05% · 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%