BlastPoint's Banking Scorecard
State Bank of Texas
Community
Specialty: Commercial
TX
FDIC cert 27074
Irving, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
State Bank of Texas has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 47% in Community
- + Net Interest Margin 1.60% above tier
- + Efficiency Ratio 42.54% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13% in Community
- - Liquidity Strain: Bottom 20% in Community
- - Deposit Outflow: Bottom 43% in Community
- - Delinquency Rate 1.60% above tier
- - Non-Interest-Bearing Deposit Share 16.11% below tier
- - Nonperforming Asset Ratio 2.28% above tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-0.3% YoY
-1.4% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.2B
-1.2% YoY
-0.6% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.2B
-1.8% YoY
-2.9% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
3.98%
-0.7% YoY
-3.9% QoQ
|
+2.81% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.27%
-5.6% YoY
+0.5% QoQ
|
+1.60% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
20.09%
+13.9% YoY
+2.9% QoQ
|
-42.54% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.23%
-14.2% YoY
-7.7% QoQ
|
+1.60% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
99.93%
+0.6% YoY
+2.4% QoQ
|
+16.87% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.93%
-12.3% YoY
-0.1% QoQ
|
-16.11% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
2.78%
+27.3% YoY
-3.2% QoQ
|
+2.28% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-40.1% YoY
-20.0% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#174 of 371 · Top 47% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.98%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.27%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
20.09%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (7)
Capital Thin
risk
#57 of 432 · Bottom 13% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#103 of 513 · Bottom 20% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.93%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#106 of 248 · Bottom 43% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.23%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
4.93%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.78%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
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
Return on Assets
Current: 3.98% · Tier avg: 1.16%
100
100th pctile
Efficiency Ratio
Current: 20.09% · Tier avg: 62.63%
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
8
8th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.63%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 21.05%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.78% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.78% · Tier avg: 0.50%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 4.93% · Tier avg: 21.05%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
8
8th pctile
Delinquency Rate
Current: 2.23% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 83.06%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
100
100th pctile
Efficiency Ratio
Current: 20.09% · Tier avg: 62.63%
100
100th pctile
Return on Assets
Current: 3.98% · Tier avg: 1.16%