BlastPoint's Banking Scorecard
Dalhart Federal Savings & Loan Association, SSB
Micro
Specialty: Mortgage
TX
FDIC cert 29208
Designations: ✓ Community bank
Dalhart, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Dalhart Federal Savings & Loan Association, SSB has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.11% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.31% below tier
- - Net Interest Margin 1.18% below tier
- - Efficiency Ratio 36.41% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.8M
-5.0% YoY
-0.1% QoQ
|
-$88.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$80.8M
+0.0% YoY
-0.3% QoQ
|
-$58.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$95.8M
+3.0% YoY
+1.1% QoQ
|
-$87.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
-0.23%
+48.5% YoY
+18.2% QoQ
|
-1.31% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.67%
+13.2% YoY
+3.2% QoQ
|
-1.18% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
104.14%
-4.8% YoY
-0.7% QoQ
|
+36.41% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.58%
+14.3% YoY
+18.7% QoQ
|
-0.06% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
84.35%
-2.9% YoY
-1.3% QoQ
|
+9.82% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
17.52%
+8.6% YoY
-8.2% QoQ
|
-4.87% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.46%
+50.6% YoY
+17.9% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
24.97%
+0.2% YoY
+0.2% QoQ
|
+16.11% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.25%
-11.4% YoY
+35.3% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.97%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.23%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.67%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
104.14%
(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
93
93th pctile
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
34
34th pctile
Total Loans
Current: $80.8M · Tier avg: $139.2M
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 74.53%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 22.39%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $95.8M · Tier avg: $183.7M
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 104.14% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 104.14% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.85%
27
27th pctile
Total Deposits
Current: $95.8M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $128.8M · Tier avg: $217.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 22.39%
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 74.53%
34
34th pctile
Total Loans
Current: $80.8M · Tier avg: $139.2M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.97% · Tier avg: 8.85%