BlastPoint's Banking Scorecard
Fayette Savings Bank, SSB
Micro
Specialty: Mortgage
TX
FDIC cert 31936
Designations: ✓ Community bank
La Grange, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Fayette Savings Bank, SSB faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$496.0M
+9.3% YoY
+2.1% QoQ
|
+$278.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$398.1M
+9.8% YoY
+2.8% QoQ
|
+$258.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$446.0M
+8.3% YoY
+2.3% QoQ
|
+$262.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.65%
+32.6% YoY
+2.5% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.43%
+17.6% YoY
+1.5% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
50.93%
-9.0% YoY
-3.5% QoQ
|
-16.80% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.01%
-11.5% YoY
+0.2% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
89.26%
+1.3% YoY
+0.5% QoQ
|
+14.73% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
6.75%
+1.4% YoY
+1.0% QoQ
|
-15.64% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-19.3% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+14.0% YoY
+40.4% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.75%
(Tier avg: 22.39%, National avg: 21.79%)
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
Total Deposits
Current: $446.0M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $496.0M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $398.1M · Tier avg: $139.2M
88
88th pctile
Efficiency Ratio
Current: 50.93% · Tier avg: 67.73%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.26% · Tier avg: 74.53%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.75% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.75% · Tier avg: 22.39%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.26% · Tier avg: 74.53%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
88
88th pctile
Efficiency Ratio
Current: 50.93% · Tier avg: 67.73%
99
99th pctile
Total Loans
Current: $398.1M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $496.0M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $446.0M · Tier avg: $183.7M