BlastPoint's Banking Scorecard
Community Bank
Micro
Specialty: Commercial
TX
FDIC cert 25752
Designations: ✓ Community bank
Longview, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Community Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.75% above tier
- + Efficiency Ratio 28.19% below tier
- + Non-Interest-Bearing Deposit Share 16.15% above 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 ? |
$310.2M
+3.5% YoY
+7.5% QoQ
|
+$92.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$246.1M
-0.4% YoY
+4.9% QoQ
|
+$107.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$275.7M
+4.8% YoY
+8.9% QoQ
|
+$92.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.83%
+6.5% YoY
+2.4% QoQ
|
+1.75% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.35%
+2.4% YoY
+0.2% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
39.54%
-1.4% YoY
-0.9% QoQ
|
-28.19% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? | 0.02% | -0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
89.28%
-4.9% YoY
-3.7% QoQ
|
+14.76% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
38.54%
+5.1% YoY
+11.0% QoQ
|
+16.15% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? | 0.02% | -0.43% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
79% |
| 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 ? |
0.45%
+51.0% YoY
+55.7% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.83%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.54%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.54%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Efficiency Ratio
Current: 39.54% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.54% · Tier avg: 22.39%
84
84th pctile
Total Loans
Current: $246.1M · Tier avg: $139.2M
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
76
76th pctile
Total Deposits
Current: $275.7M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $310.2M · Tier avg: $217.5M
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.28% · Tier avg: 74.53%
Top Weaknesses
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.28% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
74
74th pctile
Total Assets
Current: $310.2M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $275.7M · Tier avg: $183.7M
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
84
84th pctile
Total Loans
Current: $246.1M · Tier avg: $139.2M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.54% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.83% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 39.54% · Tier avg: 67.73%