BlastPoint's Banking Scorecard
Texas Exchange Bank
Community
Specialty: Other
TX
FDIC cert 20099
Crowley, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Exchange Bank has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25% in Community
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 46.89% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 14.99% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1% in Community
- - Deposit Outflow: Bottom 26% in Community
- - Flatlined Growth: Bottom 38% in Community
- - Non-Interest-Bearing Deposit Share 20.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+1.6% YoY
-3.0% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$942.0M
-19.3% YoY
+3.9% QoQ
|
-$33.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$2.6B
-4.5% YoY
-4.5% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.77%
-81.2% YoY
+11.3% QoQ
|
-0.39% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.80%
-38.2% YoY
-6.6% QoQ
|
-0.87% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
76.24%
+56.6% YoY
-14.0% QoQ
|
+13.60% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
36.17%
-15.5% YoY
+8.8% QoQ
|
-46.89% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.90%
-3.9% YoY
+3.4% QoQ
|
-20.15% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
25.23%
+10.7% YoY
+6.1% QoQ
|
+14.99% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
2.69%
+16.7% YoY
+50.6% QoQ
|
+1.95% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#95 of 371 · Top 25% 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:
2.69%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.77%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
36.17%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
25.23%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#2 of 120 · Bottom 1% 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:
0.77%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Deposit Outflow
decline
#65 of 248 · Bottom 26% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Flatlined Growth
risk
#93 of 245 · Bottom 38% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.77%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.90%
(Tier avg: 21.05%, National avg: 21.79%)
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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Loan-to-Deposit Ratio
Current: 36.17% · Tier avg: 83.06%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.23% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.69% · Tier avg: 0.74%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
66
66th pctile
Total Loans
Current: $942.0M · Tier avg: $975.5M
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 62.63%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.90% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.90% · Tier avg: 21.05%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
15
15th pctile
Efficiency Ratio
Current: 76.24% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.16%
66
66th pctile
Total Loans
Current: $942.0M · Tier avg: $975.5M
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
97
97th pctile
Non-Interest Income / Assets
Current: 2.69% · Tier avg: 0.74%
98
98th pctile
Tier 1 Capital Ratio
Current: 25.23% · Tier avg: 10.24%
98
98th pctile
Loan-to-Deposit Ratio
Current: 36.17% · Tier avg: 83.06%
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%