BlastPoint's Banking Scorecard
Bank19
Micro
Specialty: Other
TX
FDIC cert 3335
Designations: ✓ Community bank
Memphis, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Bank19 has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 40.19% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 23.38% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.4M
+99.6% YoY
-1.5% QoQ
|
-$83.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$55.9M
+22.6% YoY
+19.6% QoQ
|
-$83.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$109.5M
+90.9% YoY
-2.5% QoQ
|
-$74.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
2.18%
-7.8% YoY
+6.1% QoQ
|
+1.10% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.57%
+3.3% YoY
+2.0% QoQ
|
+0.71% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
51.09%
+5.6% YoY
-3.9% QoQ
|
-16.63% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
51.09%
-35.7% YoY
+22.6% QoQ
|
-23.44% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
62.58%
+134.6% YoY
-2.6% QoQ
|
+40.19% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? |
32.24%
+70.4% YoY
-5.8% QoQ
|
+23.38% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.09%
-75.8% YoY
+31.3% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 1.08%, National avg: 1.12%)
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 1%
in Micro
Why this stands out
Current:
62.58%
(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%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.58% · Tier avg: 22.39%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.24% · Tier avg: 8.85%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.09% · Tier avg: 67.73%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.09% · Tier avg: 74.53%
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
32
32th pctile
Total Assets
Current: $134.4M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.5M · Tier avg: $183.7M
23
23th pctile
Total Loans
Current: $55.9M · Tier avg: $139.2M
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $55.9M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.5M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $134.4M · Tier avg: $217.5M
81
81th pctile
Net Interest Margin
Current: 4.57% · Tier avg: 3.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.09% · Tier avg: 74.53%
88
88th pctile
Efficiency Ratio
Current: 51.09% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.24% · Tier avg: 8.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 62.58% · 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%