BlastPoint's Banking Scorecard
The Commercial Bank
Micro
Specialty: Other
TX
FDIC cert 19595
Designations: ✓ Community bank
Mason, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Commercial Bank shows strong momentum with 2 strengths and 5.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below 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 ? |
$111.5M
+5.5% YoY
+3.1% QoQ
|
-$105.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$44.4M
+3.5% YoY
-0.5% QoQ
|
-$94.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$96.4M
+3.7% YoY
+2.5% QoQ
|
-$87.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.54%
+24.9% YoY
-0.3% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.60%
+10.4% YoY
+0.3% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
50.87%
-4.0% YoY
+5.0% QoQ
|
-16.86% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
46.12%
-0.2% YoY
-3.0% QoQ
|
-28.40% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.81%
+12.5% YoY
+10.9% QoQ
|
+1.42% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
59% |
| 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%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
-15.3% YoY
+28.4% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.12% · Tier avg: 74.53%
89
89th pctile
Efficiency Ratio
Current: 50.87% · Tier avg: 67.73%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.81% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
27
27th pctile
Total Deposits
Current: $96.4M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.5M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $44.4M · Tier avg: $139.2M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
17
17th pctile
Total Loans
Current: $44.4M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $111.5M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $96.4M · Tier avg: $183.7M
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.81% · Tier avg: 22.39%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.87% · Tier avg: 67.73%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.12% · Tier avg: 74.53%
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%