BlastPoint's Banking Scorecard
Greater State Bank
Micro
Specialty: Commercial
TX
FDIC cert 31762
Designations: ✓ Community bank
Mcallen, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Greater State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.86% above tier
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 ? |
$177.1M
+0.3% YoY
+0.5% QoQ
|
-$40.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$133.0M
+11.6% YoY
+5.8% QoQ
|
-$6.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$156.8M
+1.7% YoY
+0.2% QoQ
|
-$26.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.36%
+13.0% YoY
+1.3% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
5.71%
+15.3% YoY
+3.0% QoQ
|
+1.86% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
71.03%
+1.4% YoY
+1.4% QoQ
|
+3.30% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.03%
-36.7% YoY
-22.5% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
84.84%
+9.7% YoY
+5.6% QoQ
|
+10.32% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
36.57%
-4.6% YoY
+2.2% QoQ
|
+14.18% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-29.6% YoY
-18.4% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
14.30%
-11.7% YoY
-6.6% QoQ
|
+5.45% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.78%
+11.1% YoY
+36.7% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.71%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Net Interest Margin
Current: 5.71% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.57% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.30% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.84% · Tier avg: 74.53%
54
54th pctile
Total Loans
Current: $133.0M · Tier avg: $139.2M
48
48th pctile
Total Deposits
Current: $156.8M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $177.1M · Tier avg: $217.5M
37
37th pctile
Efficiency Ratio
Current: 71.03% · Tier avg: 67.73%
Top Weaknesses
37
37th pctile
Efficiency Ratio
Current: 71.03% · Tier avg: 67.73%
45
45th pctile
Total Assets
Current: $177.1M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $156.8M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $133.0M · Tier avg: $139.2M
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.84% · Tier avg: 74.53%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.30% · Tier avg: 8.85%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
87
87th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.57% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.71% · Tier avg: 3.85%