BlastPoint's Banking Scorecard
Benchmark Bank
Community
Specialty: Commercial
TX
FDIC cert 19215
Plano, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Benchmark Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 34% in Community
- + Deposit Franchise: Top 56% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20% in Community
- - Margin Compression: Bottom 71% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+26.7% YoY
+1.9% QoQ
|
+$147.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.0B
+26.5% YoY
+1.9% QoQ
|
+$35.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.4B
+29.4% YoY
+2.6% QoQ
|
+$247.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.33%
-18.8% YoY
-8.9% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
4.22%
-4.6% YoY
+0.9% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
70.55%
+2.0% YoY
-3.0% QoQ
|
+7.91% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.20%
+84.6% YoY
+0.8% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
71.56%
-2.3% YoY
-0.7% QoQ
|
-11.51% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
36.85%
+4.1% YoY
-0.7% QoQ
|
+15.81% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+84.3% YoY
+0.7% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
10.80%
-20.3% YoY
-3.8% QoQ
|
+0.56% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
1.38%
-12.1% YoY
+34.0% QoQ
|
+0.64% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#126 of 371 · Top 34% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.38%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#85 of 150 · Top 56% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
36.85%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.22%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#164 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#85 of 120 · Bottom 71% 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:
1.33%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
Non-Interest-Bearing Deposit Share
Current: 36.85% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.38% · Tier avg: 0.74%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.56% · Tier avg: 83.06%
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.80% · Tier avg: 10.24%
26
26th pctile
Efficiency Ratio
Current: 70.55% · Tier avg: 62.63%
Top Weaknesses
26
26th pctile
Efficiency Ratio
Current: 70.55% · Tier avg: 62.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.80% · Tier avg: 10.24%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
78
78th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.56% · Tier avg: 83.06%
92
92th pctile
Non-Interest Income / Assets
Current: 1.38% · Tier avg: 0.74%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 36.85% · Tier avg: 21.05%