BlastPoint's Banking Scorecard
Austin Bank, Texas National Association
Community
Specialty: Commercial
TX
FDIC cert 3276
Jacksonville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Austin Bank, Texas National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 18% in Community
- + Profitability Leader: Top 36% in Community
- + Revenue Diversifier: Top 50% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30% in Community
- - Credit Risk Growth: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+10.1% YoY
+0.1% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.5B
+7.2% YoY
+0.7% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.7B
+9.3% YoY
-0.5% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.92%
+17.2% YoY
+5.7% QoQ
|
+0.76% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.98%
+10.8% YoY
+1.5% QoQ
|
+1.32% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
53.96%
-5.4% YoY
-1.7% QoQ
|
-8.67% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.61%
+28.5% YoY
+11.9% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
92.13%
-2.0% YoY
+1.2% QoQ
|
+9.06% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
36.31%
-1.5% YoY
+0.1% QoQ
|
+15.26% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.54%
+37.8% YoY
+7.9% QoQ
|
+0.05% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.82%
-8.1% YoY
+37.8% QoQ
|
+0.08% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#28 of 150 · Top 18% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
36.31%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.98%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#134 of 371 · Top 36% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#185 of 371 · Top 50% 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:
0.82%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#155 of 513 · Bottom 30% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#219 of 642 · Bottom 34% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
Net Interest Margin
Current: 4.98% · Tier avg: 3.66%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.31% · Tier avg: 21.05%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
90
90th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
75
75th pctile
Efficiency Ratio
Current: 53.96% · Tier avg: 62.63%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
75
75th pctile
Efficiency Ratio
Current: 53.96% · Tier avg: 62.63%
79
79th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.74%
90
90th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.31% · Tier avg: 21.05%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
94
94th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.66%