BlastPoint's Banking Scorecard
Texas Regional Bank
Community
Specialty: Commercial
TX
FDIC cert 26906
Harlingen, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Regional Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15% in Community
- + Revenue Diversifier: Top 44% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 52% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+8.3% YoY
+0.1% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.7B
+15.1% YoY
+4.4% QoQ
|
+$695.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.6B
+6.5% YoY
+0.6% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.54%
+71.4% YoY
+20.8% QoQ
|
-0.63% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.55%
+7.0% YoY
+1.5% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
82.87%
-2.6% YoY
-1.8% QoQ
|
+20.23% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.16%
-7.2% YoY
+9.3% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
64.12%
+8.1% YoY
+3.8% QoQ
|
-18.94% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.02%
+3.7% YoY
-2.1% QoQ
|
+6.98% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.10%
+4.8% YoY
+21.0% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.67%
-7.2% YoY
+0.3% QoQ
|
+2.43% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
1.58%
+43.4% YoY
+48.4% QoQ
|
+0.84% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#57 of 371 · Top 15% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#162 of 371 · Top 44% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.58%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.54%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Efficiency Drag
risk
#80 of 152 · Bottom 52% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.87%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.02% · Tier avg: 21.05%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 10.24%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.12% · Tier avg: 83.06%
12
12th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.87% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.87% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
13
13th pctile
Loan-to-Deposit Ratio
Current: 64.12% · Tier avg: 83.06%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 10.24%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.02% · Tier avg: 21.05%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
94
94th pctile
Non-Interest Income / Assets
Current: 1.58% · Tier avg: 0.74%