BlastPoint's Banking Scorecard
Mason Bank
Micro
Specialty: Other
TX
FDIC cert 3327
Designations: ✓ Community bank
Mason, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Mason Bank 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
- - Delinquency Rate 2.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.0M
+3.2% YoY
+1.6% QoQ
|
-$73.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$67.4M
+2.6% YoY
+3.7% QoQ
|
-$71.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$120.6M
-0.1% YoY
+1.9% QoQ
|
-$63.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.48%
+11.5% YoY
-0.5% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.09%
+12.3% YoY
+2.8% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
58.92%
-8.9% YoY
+2.2% QoQ
|
-8.80% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
2.92%
+6.5% YoY
-23.3% QoQ
|
+2.28% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
55.92%
+2.7% YoY
+1.8% QoQ
|
-18.60% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
33.83%
-0.6% YoY
+4.5% QoQ
|
+11.44% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
1.59%
+4.5% YoY
-19.4% QoQ
|
+1.14% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% 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 ? |
0.25%
-16.2% YoY
+29.0% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 0.64%, National avg: 0.66%)
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
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.83% · Tier avg: 22.39%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
70
70th pctile
Efficiency Ratio
Current: 58.92% · Tier avg: 67.73%
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Total Assets
Current: $144.0M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $120.6M · Tier avg: $183.7M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.92% · Tier avg: 74.53%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.92% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.92% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.92% · Tier avg: 74.53%
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $120.6M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
70
70th pctile
Efficiency Ratio
Current: 58.92% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.83% · Tier avg: 22.39%