BlastPoint's Banking Scorecard

Cendera Bank

Micro Specialty: Commercial TX FDIC cert 3098

Designations: ✓ Community bank

Bells, TX

2498 banks in Micro tier nationally 193 in TX

View Micro leaderboard (TX) →

Cendera Bank 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

Get updates when Cendera Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$227.9M +1.0% YoY -7.4% QoQ	+$10.4M	$217.5M +2.3% YoY	$2.3B -0.7% YoY	$5.9B +6.5% YoY	57%
Total Loans ?	$174.6M +3.3% YoY -8.4% QoQ	+$35.4M	$139.2M +2.8% YoY	$1.0B +7.5% YoY	$3.1B +8.5% YoY	68%
Total Deposits ?	$199.4M +0.3% YoY -8.5% QoQ	+$15.7M	$183.7M +1.8% YoY	$1.9B +2.1% YoY	$4.7B +6.3% YoY	59%
Return on Assets ?	0.29% +87.3% YoY +7.2% QoQ	-0.79%	1.08% +14.7% YoY	1.40% +9.8% YoY	1.12% +15.6% YoY	Bottom 12% in tier
Net Interest Margin ?	4.18% +7.9% YoY +0.4% QoQ	+0.33%	3.85% +6.6% YoY	4.07% +5.6% YoY	3.75% +7.1% YoY	67%
Efficiency Ratio ?	87.40% -8.0% YoY +0.6% QoQ	+19.67%	67.73% -4.8% YoY	61.95% -3.4% YoY	65.09% -5.1% YoY	Bottom 11% in tier
Delinquency Rate ?	0.41% -52.6% YoY +78.7% QoQ	-0.23%	0.64% +24.4% YoY	0.57% +45.3% YoY	0.66% +20.3% YoY	50%
Loan-to-Deposit Ratio ?	87.56% +3.0% YoY +0.2% QoQ	+13.03%	74.53% +0.5% YoY	67.65% -1.7% YoY	78.04% +0.7% YoY	72%
Non-Interest-Bearing Deposit Share ?	9.14% -4.7% YoY -1.0% QoQ	-13.26%	22.39% -1.3% YoY	29.04% -1.4% YoY	21.79% -1.3% YoY	Bottom 10% in tier
Nonperforming Asset Ratio ?	0.35% -44.7% YoY +72.3% QoQ	-0.10%	0.45% +25.1% YoY	0.42% +34.9% YoY	0.48% +20.8% YoY	46%
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 ?	0.14% -6.1% YoY +41.7% QoQ	-0.42%	0.56% +0.3% YoY	0.87% +17.4% YoY	0.65% +0.6% YoY	Bottom 14% in tier

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Loan-to-Deposit Ratio

Current: 87.56% · Tier avg: 74.53%

72th pctile

Total Loans

Current: $174.6M · Tier avg: $139.2M

68th pctile

Net Interest Margin

Current: 4.18% · Tier avg: 3.85%

67th pctile

Total Deposits

Current: $199.4M · Tier avg: $183.7M

59th pctile

Total Assets

Current: $227.9M · Tier avg: $217.5M

57th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 8.85%

51th pctile

Delinquency Rate

Current: 0.41% · Tier avg: 0.64%

50th pctile

Nonperforming Asset Ratio

Current: 0.35% · Tier avg: 0.45%

46th pctile

Non-Interest Income / Assets

Current: 0.14% · Tier avg: 0.56%

14th pctile

Return on Assets

Current: 0.29% · Tier avg: 1.08%

12th pctile

Efficiency Ratio

Current: 87.40% · Tier avg: 67.73%

11th pctile

Non-Interest-Bearing Deposit Share

Current: 9.14% · Tier avg: 22.39%

10th pctile

Top Weaknesses