BlastPoint's Banking Scorecard
Bank of South Texas
Micro
Specialty: Commercial
TX
FDIC cert 26727
Designations: ✓ Community bank
Mcallen, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Bank of South Texas demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.62% above tier
- + Non-Interest-Bearing Deposit Share 14.52% 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 ? |
$167.7M
+4.3% YoY
+4.2% QoQ
|
-$49.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$114.7M
+16.7% YoY
+4.8% QoQ
|
-$24.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$135.5M
+3.2% YoY
+4.9% QoQ
|
-$48.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.66%
+10.4% YoY
-4.6% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
7.48%
+8.5% YoY
-0.9% QoQ
|
+3.62% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
69.06%
-2.5% YoY
+1.8% QoQ
|
+1.33% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.39%
+27.6% YoY
-24.1% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
84.64%
+13.1% YoY
-0.2% QoQ
|
+10.11% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
36.92%
-3.4% YoY
-3.5% QoQ
|
+14.52% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+42.8% YoY
-23.7% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
51% |
| 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 ? |
0.47%
-5.7% YoY
+27.7% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.48%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.92%
(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
100
100th pctile
Net Interest Margin
Current: 7.48% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.92% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
48
48th pctile
Total Loans
Current: $114.7M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $167.7M · Tier avg: $217.5M
42
42th pctile
Efficiency Ratio
Current: 69.06% · Tier avg: 67.73%
41
41th pctile
Total Deposits
Current: $135.5M · Tier avg: $183.7M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.64% · Tier avg: 74.53%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.64% · Tier avg: 74.53%
41
41th pctile
Total Deposits
Current: $135.5M · Tier avg: $183.7M
42
42th pctile
Efficiency Ratio
Current: 69.06% · Tier avg: 67.73%
42
42th pctile
Total Assets
Current: $167.7M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $114.7M · Tier avg: $139.2M
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.92% · Tier avg: 22.39%
100
100th pctile
Net Interest Margin
Current: 7.48% · Tier avg: 3.85%