BlastPoint's Banking Scorecard
Interstate Bank
Micro
Specialty: Commercial
TX
FDIC cert 31043
Designations: ✓ Community bank
Perryton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Interstate Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.84% above tier
- - Nonperforming Asset Ratio 1.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.7M
-2.2% YoY
+1.4% QoQ
|
+$58.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$140.2M
-15.3% YoY
-7.4% QoQ
|
+$1.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$257.3M
-3.6% YoY
+2.1% QoQ
|
+$73.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.96%
-22.7% YoY
-47.7% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.63%
-9.2% YoY
-2.0% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
56.62%
+5.5% YoY
+17.6% QoQ
|
-11.11% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
4.48%
+205.2% YoY
+4.1% QoQ
|
+3.84% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
54.50%
-12.1% YoY
-9.3% QoQ
|
-20.02% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
11.98%
-0.4% YoY
+8.2% QoQ
|
-10.41% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
2.28%
+164.3% YoY
-11.1% QoQ
|
+1.83% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% 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 ? |
0.61%
+19.7% YoY
+30.6% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.48%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.28%
(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
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.50% · Tier avg: 74.53%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
77
77th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 67.73%
73
73th pctile
Total Deposits
Current: $257.3M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $275.7M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $140.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.98% · Tier avg: 22.39%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.28% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.28% · Tier avg: 0.45%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.98% · Tier avg: 22.39%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Loans
Current: $140.2M · Tier avg: $139.2M
67
67th pctile
Total Assets
Current: $275.7M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $257.3M · Tier avg: $183.7M
77
77th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 67.73%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.50% · Tier avg: 74.53%