BlastPoint's Banking Scorecard
Amistad Bank
Micro
Specialty: Commercial
TX
FDIC cert 26658
Designations: ✓ Community bank
Del Rio, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Amistad Bank shows strong momentum with 4 strengths and 15.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.98% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.28% 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 ? |
$54.9M
+15.2% YoY
+3.6% QoQ
|
-$162.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$34.7M
+17.6% YoY
-2.7% QoQ
|
-$104.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$42.6M
+12.9% YoY
+3.2% QoQ
|
-$141.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.63%
+110.9% YoY
+2.9% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.83%
+32.3% YoY
-0.7% QoQ
|
+1.98% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
64.45%
+14.9% YoY
-0.6% QoQ
|
-3.28% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| 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 ? |
81.47%
+4.2% YoY
-5.8% QoQ
|
+6.94% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
29.87%
-18.6% YoY
-5.2% QoQ
|
+7.47% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.84%
+63.9% YoY
+38.7% QoQ
|
+1.28% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.83%
(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%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.84%
(Tier avg: 0.56%, National avg: 0.65%)
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%
97
97th pctile
Net Interest Margin
Current: 5.83% · Tier avg: 3.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.84% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.87% · Tier avg: 22.39%
54
54th pctile
Efficiency Ratio
Current: 64.45% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.47% · Tier avg: 74.53%
13
13th pctile
Total Loans
Current: $34.7M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $54.9M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.6M · Tier avg: $183.7M
Top Weaknesses
8
8th pctile
Total Deposits
Current: $42.6M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.9M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $34.7M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.47% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.45% · Tier avg: 67.73%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.87% · Tier avg: 22.39%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.84% · Tier avg: 0.56%
97
97th pctile
Net Interest Margin
Current: 5.83% · 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%