BlastPoint's Banking Scorecard
TexasBank
Community
Specialty: Commercial
TX
FDIC cert 19559
Fort Worth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
TexasBank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 15% in Community
- - Capital Constraint: Bottom 83% in Community
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
-6.1% YoY
-2.4% QoQ
|
+$997.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$2.0B
+8.9% YoY
-0.6% QoQ
|
+$976.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$1.9B
-6.3% YoY
-3.2% QoQ
|
+$734.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.79%
+3.0% YoY
+3.7% QoQ
|
+0.63% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.27%
+12.8% YoY
+2.8% QoQ
|
+0.60% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
58.85%
+4.4% YoY
-0.2% QoQ
|
-3.79% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.81%
+650.6% YoY
+198.8% QoQ
|
+1.18% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
102.74%
+16.3% YoY
+2.7% QoQ
|
+19.68% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.09%
+17.4% YoY
-3.6% QoQ
|
-2.96% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.75%
+265.7% YoY
+127.9% QoQ
|
+1.26% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
17.91%
-2.6% YoY
+2.5% QoQ
|
+7.66% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.49%
+4.4% YoY
+40.8% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Overhang
risk
#41 of 268 · Bottom 15% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.91%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
102.74%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#39 of 47 · Bottom 83% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
102.74%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
17.91%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.75%
(Tier avg: 0.50%, National avg: 0.48%)
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
88
88th pctile
Tier 1 Capital Ratio
Current: 17.91% · Tier avg: 10.24%
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
80
80th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.66%
61
61th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 62.63%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
11
11th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.74% · Tier avg: 83.06%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.50%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.50%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.74% · Tier avg: 83.06%
11
11th pctile
Delinquency Rate
Current: 1.81% · Tier avg: 0.63%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
61
61th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 62.63%
80
80th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.66%
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
88
88th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Tier 1 Capital Ratio
Current: 17.91% · Tier avg: 10.24%