BlastPoint's Banking Scorecard
ValueBank Texas
Micro
Specialty: Commercial
TX
FDIC cert 19700
Designations: ✓ Community bank
Corpus Christi, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
ValueBank Texas demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.16% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 18.39% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.38% above 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 ? |
$302.5M
+1.8% YoY
-0.9% QoQ
|
+$85.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$158.5M
-0.8% YoY
+1.3% QoQ
|
+$19.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$262.7M
+1.3% YoY
-0.0% QoQ
|
+$79.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.57%
-10.9% YoY
+8.0% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
5.01%
-2.4% YoY
+1.3% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
64.76%
+5.0% YoY
-2.7% QoQ
|
-2.97% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| 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 ? |
60.31%
-2.1% YoY
+1.3% QoQ
|
-14.21% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
40.79%
-7.4% YoY
-2.7% QoQ
|
+18.39% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% 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 ? |
0.94%
-11.9% YoY
+45.4% QoQ
|
+0.38% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (5)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.01%
(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%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.79%
(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%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.94%
(Tier avg: 0.56%, National avg: 0.65%)
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%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.79% · Tier avg: 22.39%
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
74
74th pctile
Total Deposits
Current: $262.7M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $302.5M · Tier avg: $217.5M
63
63th pctile
Total Loans
Current: $158.5M · Tier avg: $139.2M
54
54th pctile
Efficiency Ratio
Current: 64.76% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.31% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.31% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.76% · Tier avg: 67.73%
63
63th pctile
Total Loans
Current: $158.5M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $302.5M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $262.7M · Tier avg: $183.7M
78
78th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.01% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.79% · 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%