BlastPoint's Banking Scorecard
BOC Bank
Micro
Specialty: Commercial
TX
FDIC cert 25328
Designations: ✓ Community bank
Mclean, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
BOC Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.6M
+0.4% YoY
-2.7% QoQ
|
-$5.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$154.6M
-0.7% YoY
+4.7% QoQ
|
+$15.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$185.7M
-0.8% YoY
-2.6% QoQ
|
+$2.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.40%
+14.3% YoY
-28.8% QoQ
|
+0.32% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.26%
+17.3% YoY
+0.3% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
64.34%
+8.1% YoY
+26.1% QoQ
|
-3.38% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? | 0.00% | -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 ? |
83.28%
+0.1% YoY
+7.5% QoQ
|
+8.75% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
27.47%
+115.0% YoY
+20.9% QoQ
|
+5.07% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
15.52%
+8.7% YoY
-13.2% QoQ
|
+6.67% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.03%
+139.2% YoY
+8.3% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
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 (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.28% · Tier avg: 74.53%
62
62th pctile
Total Loans
Current: $154.6M · Tier avg: $139.2M
56
56th pctile
Total Deposits
Current: $185.7M · Tier avg: $183.7M
55
55th pctile
Efficiency Ratio
Current: 64.34% · Tier avg: 67.73%
54
54th pctile
Total Assets
Current: $211.6M · Tier avg: $217.5M
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
54
54th pctile
Total Assets
Current: $211.6M · Tier avg: $217.5M
55
55th pctile
Efficiency Ratio
Current: 64.34% · Tier avg: 67.73%
56
56th pctile
Total Deposits
Current: $185.7M · Tier avg: $183.7M
62
62th pctile
Total Loans
Current: $154.6M · Tier avg: $139.2M
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.28% · Tier avg: 74.53%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
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%