BlastPoint's Banking Scorecard
Pavillion Bank
Micro
Specialty: Commercial
TX
FDIC cert 24303
Designations: ✓ Community bank
Richardson, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Pavillion Bank shows strong momentum with 3 strengths and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.67% above tier
- + 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 ? |
$74.3M
+6.3% YoY
-0.2% QoQ
|
-$143.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$57.0M
+8.9% YoY
+0.9% QoQ
|
-$82.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$60.5M
+7.0% YoY
-0.4% QoQ
|
-$123.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.82%
-0.4% YoY
+11.5% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
6.52%
-2.1% YoY
-1.2% QoQ
|
+2.67% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
68.88%
+8.8% YoY
+3.8% QoQ
|
+1.15% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
94.23%
+1.8% YoY
+1.3% QoQ
|
+19.71% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
36.19%
-4.8% YoY
-7.2% QoQ
|
+13.80% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
21.91%
-1.1% YoY
+2.7% QoQ
|
+13.05% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.27%
-4.5% YoY
+35.2% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.52%
(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%)
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%
99
99th pctile
Net Interest Margin
Current: 6.52% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.19% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.91% · Tier avg: 8.85%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.88% · Tier avg: 67.73%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $57.0M · Tier avg: $139.2M
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.23% · Tier avg: 74.53%
14
14th pctile
Total Assets
Current: $74.3M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $60.5M · Tier avg: $183.7M
Top Weaknesses
14
14th pctile
Total Deposits
Current: $60.5M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.3M · Tier avg: $217.5M
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.23% · Tier avg: 74.53%
23
23th pctile
Total Loans
Current: $57.0M · Tier avg: $139.2M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
43
43th pctile
Efficiency Ratio
Current: 68.88% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.91% · Tier avg: 8.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.19% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.52% · Tier avg: 3.85%
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%