BlastPoint's Banking Scorecard
TrustTexas Bank, SSB
Micro
Specialty: Other
TX
FDIC cert 28515
Designations: ✓ Community bank
Cuero, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
TrustTexas Bank, SSB faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 3.29% below tier
- - Net Interest Margin 1.17% below tier
- - Efficiency Ratio 27.59% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.5M
-3.1% YoY
+1.3% QoQ
|
+$151.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$174.6M
+1.0% YoY
-0.0% QoQ
|
+$35.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$361.7M
+4.8% YoY
+0.9% QoQ
|
+$178.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
-2.21%
-205.0% YoY
+25.8% QoQ
|
-3.29% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.68%
+36.7% YoY
+0.5% QoQ
|
-1.17% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
95.31%
-27.6% YoY
-3.6% QoQ
|
+27.59% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.81%
+119.8% YoY
+139.7% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
48.27%
-3.6% YoY
-1.0% QoQ
|
-26.26% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.44%
-10.2% YoY
-4.8% QoQ
|
-8.95% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.38%
+129.1% YoY
+136.7% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
19.56%
-9.6% YoY
+27.1% QoQ
|
+10.70% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.47%
+18.0% YoY
+41.6% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
95.31%
(Tier avg: 67.73%, National avg: 65.09%)
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
92
92th pctile
Total Deposits
Current: $361.7M · Tier avg: $183.7M
89
89th pctile
Loan-to-Deposit Ratio
Current: 48.27% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.56% · Tier avg: 8.85%
83
83th pctile
Total Assets
Current: $368.5M · Tier avg: $217.5M
68
68th pctile
Total Loans
Current: $174.6M · Tier avg: $139.2M
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.44% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
7
7th pctile
Efficiency Ratio
Current: 95.31% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -2.21% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -2.21% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 95.31% · Tier avg: 67.73%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.44% · Tier avg: 22.39%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
68
68th pctile
Total Loans
Current: $174.6M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $368.5M · Tier avg: $217.5M
86
86th pctile
Tier 1 Capital Ratio
Current: 19.56% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 48.27% · Tier avg: 74.53%
92
92th pctile
Total Deposits
Current: $361.7M · Tier avg: $183.7M