BlastPoint's Banking Scorecard
Atascosa Bank
Micro
Specialty: Agricultural
TX
FDIC cert 24064
Designations: ✓ Community bank
Pleasanton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Atascosa Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 46.93% below tier
- + Non-Interest-Bearing Deposit Share 18.49% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.72% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.7M
+1.6% YoY
+0.4% QoQ
|
-$128.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$21.7M
+14.4% YoY
-0.3% QoQ
|
-$117.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$78.5M
-0.9% YoY
+0.8% QoQ
|
-$105.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.39%
-64.0% YoY
-65.6% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.23%
+2.5% YoY
+0.7% QoQ
|
-0.62% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
55.30%
-0.6% YoY
-4.0% QoQ
|
-12.42% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? | 3.36% | +2.72% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
27.59%
+15.4% YoY
-1.1% QoQ
|
-46.93% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.88%
+3.4% YoY
-1.6% QoQ
|
+18.49% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+92.3% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
18% |
| 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 ? |
0.16%
-11.2% YoY
+28.5% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
27.59%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.88%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.36%
(Tier avg: 0.64%, National avg: 0.66%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 27.59% · Tier avg: 74.53%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.88% · Tier avg: 22.39%
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.85%
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $88.7M · Tier avg: $217.5M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
7
7th pctile
Total Loans
Current: $21.7M · Tier avg: $139.2M
0
0th pctile
Delinquency Rate
Current: 3.36% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.36% · Tier avg: 0.64%
7
7th pctile
Total Loans
Current: $21.7M · Tier avg: $139.2M
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
19
19th pctile
Total Assets
Current: $88.7M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
23
23th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Efficiency Ratio
Current: 55.30% · Tier avg: 67.73%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.88% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 27.59% · Tier avg: 74.53%