BlastPoint's Banking Scorecard
Texas Financial Bank
Micro
Specialty: Commercial
TX
FDIC cert 26738
Designations: ✓ Community bank
Eden, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texas Financial Bank shows strong momentum with 1 strength and 44.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.54% 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 ? |
$234.6M
+44.9% YoY
+7.9% QoQ
|
+$17.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$115.8M
+112.6% YoY
+25.9% QoQ
|
-$23.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$195.3M
+43.6% YoY
+8.9% QoQ
|
+$11.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.10%
+12.7% YoY
-13.0% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
5.39%
+25.5% YoY
-1.8% QoQ
|
+1.54% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
62.19%
+14.4% YoY
+5.3% QoQ
|
-5.53% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
61% |
| 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 ? |
59.28%
+48.1% YoY
+15.6% QoQ
|
-15.25% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
33.17%
-24.3% YoY
-24.1% QoQ
|
+10.77% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? | 0.01% | -0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| 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 ? |
0.71%
+28.3% YoY
+41.7% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.39%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.39% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.17% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.28% · Tier avg: 74.53%
61
61th pctile
Efficiency Ratio
Current: 62.19% · Tier avg: 67.73%
59
59th pctile
Total Assets
Current: $234.6M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $195.3M · Tier avg: $183.7M
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.8M · Tier avg: $139.2M
Top Weaknesses
48
48th pctile
Total Loans
Current: $115.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
58
58th pctile
Total Deposits
Current: $195.3M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.6M · Tier avg: $217.5M
61
61th pctile
Efficiency Ratio
Current: 62.19% · Tier avg: 67.73%
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.28% · Tier avg: 74.53%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.17% · Tier avg: 22.39%
95
95th pctile
Net Interest Margin
Current: 5.39% · Tier avg: 3.85%