BlastPoint's Banking Scorecard
Texas Bank
Community
Specialty: Commercial
TX
FDIC cert 21074
Henderson, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19% in Community
- - Credit Quality Pressure: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$935.7M
+9.8% YoY
+0.5% QoQ
|
-$455.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$685.0M
+5.1% YoY
+2.8% QoQ
|
-$290.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$810.3M
+11.2% YoY
+0.2% QoQ
|
-$354.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.15%
-1.7% YoY
+0.9% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.28%
+9.8% YoY
+1.7% QoQ
|
+0.62% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
70.25%
+0.9% YoY
+0.1% QoQ
|
+7.62% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.28%
+30.0% YoY
+25.2% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
84.54%
-5.5% YoY
+2.7% QoQ
|
+1.48% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.12%
-8.5% YoY
+0.2% QoQ
|
-0.92% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.21%
+24.5% YoY
+1.7% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.64%
+1.1% YoY
+41.0% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#122 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#165 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:
0.28%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
64
64th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 83.06%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.12% · Tier avg: 21.05%
48
48th pctile
Total Loans
Current: $685.0M · Tier avg: $975.5M
48
48th pctile
Total Deposits
Current: $810.3M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $935.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Efficiency Ratio
Current: 70.25% · Tier avg: 62.63%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 70.25% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Total Assets
Current: $935.7M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $810.3M · Tier avg: $1.2B
48
48th pctile
Total Loans
Current: $685.0M · Tier avg: $975.5M
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.12% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 83.06%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
64
64th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%