BlastPoint's Banking Scorecard
Big Bend Banks, N.A.
Micro
Specialty: Other
TX
FDIC cert 3320
Designations: ✓ Community bank
Marfa, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Big Bend Banks, N.A. has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 26.75% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 60.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.4M
+8.4% YoY
+3.9% QoQ
|
-$48.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$20.7M
+0.5% YoY
+2.6% QoQ
|
-$118.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$145.9M
+6.0% YoY
+4.0% QoQ
|
-$37.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.56%
-9.6% YoY
+6.3% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.63%
+0.8% YoY
+0.6% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
63.07%
+3.5% YoY
-3.2% QoQ
|
-4.66% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
14.16%
-5.1% YoY
-1.4% QoQ
|
-60.37% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
49.15%
-2.3% YoY
+1.3% QoQ
|
+26.75% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.81%
-23.5% YoY
+29.6% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.15%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
14.16%
(Tier avg: 74.53%, National avg: 78.04%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.15% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Deposits
Current: $145.9M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.4M · Tier avg: $217.5M
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
0
0th pctile
Loan-to-Deposit Ratio
Current: 14.16% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 14.16% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
43
43th pctile
Total Assets
Current: $169.4M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $145.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.15% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%