BlastPoint's Banking Scorecard
Angelina Savings Bank, SSB
Micro
Specialty: Other
TX
FDIC cert 32018
Designations: ✓ Community bank
Lufkin, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Angelina Savings Bank, SSB shows strong momentum with 1 strength and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.68% 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 ? |
$85.9M
+7.3% YoY
-3.9% QoQ
|
-$131.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$45.1M
+24.3% YoY
+15.5% QoQ
|
-$94.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$76.2M
+6.7% YoY
-4.7% QoQ
|
-$107.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.10%
-12.8% YoY
+2.4% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.86%
-8.5% YoY
+0.3% QoQ
|
+1.01% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
72.51%
+6.9% YoY
-1.6% QoQ
|
+4.79% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.20%
+326.0% YoY
-21.3% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
59.21%
+16.4% YoY
+21.1% QoQ
|
-15.31% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
24.75%
+3.2% YoY
+1.8% QoQ
|
+2.35% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.10%
+393.3% YoY
-5.4% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
25.53%
-6.5% YoY
-10.3% QoQ
|
+16.68% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.85%
-6.6% YoY
+39.1% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.53%
(Tier avg: 8.85%, National avg: 9.75%)
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
94
94th pctile
Tier 1 Capital Ratio
Current: 25.53% · Tier avg: 8.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.21% · Tier avg: 74.53%
20
20th pctile
Total Deposits
Current: $76.2M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $45.1M · Tier avg: $139.2M
Top Weaknesses
17
17th pctile
Total Loans
Current: $45.1M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.9M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.2M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.21% · Tier avg: 74.53%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
88
88th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.53% · Tier avg: 8.85%