BlastPoint's Banking Scorecard
Colonial Savings, F.A.
Community
Specialty: Other
TX
FDIC cert 31361
Fort Worth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Colonial Savings, F.A. has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 39% in Community
- + Delinquency Rate 0.62% below tier
- + Loan-to-Deposit Ratio 61.78% below tier
- + Non-Interest-Bearing Deposit Share 16.83% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Community
- - Return on Assets 0.84% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$675.2M
-34.7% YoY
-27.9% QoQ
|
-$716.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$86.3M
-87.8% YoY
-86.4% QoQ
|
-$889.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$405.7M
-28.6% YoY
-37.7% QoQ
|
-$758.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.32%
+47.7% YoY
-77.2% QoQ
|
-0.84% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.97%
+49.5% YoY
+14.5% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
55.25%
-43.5% YoY
+21.1% QoQ
|
-7.38% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.01%
-99.8% YoY
-99.8% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
21.28%
-82.9% YoY
-78.1% QoQ
|
-61.78% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.88%
-19.0% YoY
-35.1% QoQ
|
+16.83% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-99.7% YoY
-99.7% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
189.47%
+814.1% YoY
+203.4% QoQ
|
+179.23% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
9.15%
+302.5% YoY
+26.3% QoQ
|
+8.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#146 of 371 · Top 39% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
9.15%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.32%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
21.28%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
37.88%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Deposit Outflow
decline
#1 of 248 · Bottom 1% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.32%
(Tier avg: 1.16%, National avg: 1.12%)
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
100
100th pctile
Loan-to-Deposit Ratio
Current: 21.28% · Tier avg: 83.06%
100
100th pctile
Non-Interest Income / Assets
Current: 9.15% · Tier avg: 0.74%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 37.88% · Tier avg: 21.05%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
25
25th pctile
Total Assets
Current: $675.2M · Tier avg: $1.4B
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
1
1th pctile
Total Deposits
Current: $405.7M · Tier avg: $1.2B
0
0th pctile
Total Loans
Current: $86.3M · Tier avg: $975.5M
Top Weaknesses
0
0th pctile
Total Loans
Current: $86.3M · Tier avg: $975.5M
1
1th pctile
Total Deposits
Current: $405.7M · Tier avg: $1.2B
7
7th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
25
25th pctile
Total Assets
Current: $675.2M · Tier avg: $1.4B
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 37.88% · Tier avg: 21.05%
100
100th pctile
Non-Interest Income / Assets
Current: 9.15% · Tier avg: 0.74%
100
100th pctile
Loan-to-Deposit Ratio
Current: 21.28% · Tier avg: 83.06%