BlastPoint's Banking Scorecard
Broadstreet Bank S S B
Micro
Specialty: Commercial
TX
FDIC cert 28868
Designations: ✓ Community bank
Mineola, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Broadstreet Bank S S B faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.18% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$428.5M
-3.2% YoY
-2.2% QoQ
|
+$211.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$303.2M
+3.2% YoY
+6.4% QoQ
|
+$164.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$331.6M
-3.5% YoY
-2.1% QoQ
|
+$148.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.70%
+425.7% YoY
+4.0% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.32%
+9.5% YoY
+3.0% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
72.01%
-35.8% YoY
-0.4% QoQ
|
+4.28% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.66%
-8.1% YoY
-13.8% QoQ
|
+0.02% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
91.43%
+7.0% YoY
+8.7% QoQ
|
+16.91% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
14.95%
+4.3% YoY
-5.9% QoQ
|
-7.44% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
2.63%
+347.3% YoY
+0.7% QoQ
|
+2.18% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.63%
+226.1% YoY
+34.9% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $428.5M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $331.6M · Tier avg: $183.7M
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
35
35th pctile
Efficiency Ratio
Current: 72.01% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.43% · Tier avg: 74.53%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.63% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.63% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.43% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
35
35th pctile
Efficiency Ratio
Current: 72.01% · Tier avg: 67.73%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
87
87th pctile
Total Deposits
Current: $331.6M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $428.5M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $303.2M · Tier avg: $139.2M