BlastPoint's Banking Scorecard
NexBank
Mid-Market
Specialty: Mortgage
TX
FDIC cert 29209
Designations: ✓ Community bank
Dallas, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
NexBank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$13.9B
-0.0% YoY
-3.5% QoQ
|
+$3.5B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$9.4B
+4.8% YoY
+2.0% QoQ
|
+$2.3B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$10.8B
+5.3% YoY
-4.1% QoQ
|
+$2.3B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.17%
+38.2% YoY
-12.3% QoQ
|
+0.01% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
2.26%
+18.7% YoY
-0.4% QoQ
|
-1.14% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
41.69%
-13.5% YoY
+6.6% QoQ
|
-14.92% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.22%
-20.9% YoY
-6.4% QoQ
|
+0.54% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
87.50%
-0.4% YoY
+6.4% QoQ
|
+2.03% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
13.89%
-9.7% YoY
-32.6% QoQ
|
-6.75% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.08%
+6.0% YoY
+0.8% QoQ
|
+0.58% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
14.62%
-2.1% YoY
-5.1% QoQ
|
+1.07% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.64%
+179.3% YoY
+18.8% QoQ
|
-0.31% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
89
89th pctile
Efficiency Ratio
Current: 41.69% · Tier avg: 56.60%
77
77th pctile
Tier 1 Capital Ratio
Current: 14.62% · Tier avg: 13.55%
77
77th pctile
Total Loans
Current: $9.4B · Tier avg: $7.1B
77
77th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
76
76th pctile
Total Assets
Current: $13.9B · Tier avg: $10.5B
50
50th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
50
50th pctile
Loan-to-Deposit Ratio
Current: 87.50% · Tier avg: 85.47%
44
44th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 13.89% · Tier avg: 20.64%
17
17th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.68%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
11
11th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.40%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.40%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.68%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 13.89% · Tier avg: 20.64%
44
44th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
50
50th pctile
Loan-to-Deposit Ratio
Current: 87.50% · Tier avg: 85.47%
50
50th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
76
76th pctile
Total Assets
Current: $13.9B · Tier avg: $10.5B
77
77th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
77
77th pctile
Total Loans
Current: $9.4B · Tier avg: $7.1B
77
77th pctile
Tier 1 Capital Ratio
Current: 14.62% · Tier avg: 13.55%
89
89th pctile
Efficiency Ratio
Current: 41.69% · Tier avg: 56.60%