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Worthington Bank

Community Specialty: Commercial TX FDIC cert 57414

Arlington, TX

1484 banks in Community tier nationally 136 in TX
View Community leaderboard (TX) →

Worthington Bank has 2 strengths but faces 4 concerns

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 10% in Community
  • + Deposit Franchise: Top 66% in Community

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14% in Community
  • - Credit Risk Growth: Bottom 33% in Community
  • - Flatlined Growth: Bottom 47% in Community
  • - Non-Interest Income / Assets 0.65% below tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $611.4M
-0.2% YoY +0.2% QoQ
-$780.0M $1.4B
+2.0% YoY
$2.3B
-0.7% YoY
$5.9B
+6.5% YoY
16%
Total Loans ? $484.2M
+7.8% YoY +1.1% QoQ
-$491.2M $975.5M
+2.4% YoY
$1.0B
+7.5% YoY
$3.1B
+8.5% YoY
28%
Total Deposits ? $550.0M
-1.5% YoY -0.1% QoQ
-$614.6M $1.2B
+1.7% YoY
$1.9B
+2.1% YoY
$4.7B
+6.3% YoY
21%
Return on Assets ? 1.20%
+116.3% YoY +11.9% QoQ
+0.03% 1.16%
+17.2% YoY
1.40%
+9.8% YoY
1.12%
+15.6% YoY
56%
Net Interest Margin ? 4.24%
+25.6% YoY +2.7% QoQ
+0.57% 3.66%
+9.1% YoY
4.07%
+5.6% YoY
3.75%
+7.1% YoY
79%
Efficiency Ratio ? 61.95%
-19.6% YoY -2.4% QoQ
-0.68% 62.63%
-5.3% YoY
61.95%
-3.4% YoY
65.09%
-5.1% YoY
51%
Delinquency Rate ? 0.08%
-26.9% QoQ
-0.55% 0.63%
+18.3% YoY
0.57%
+45.3% YoY
0.66%
+20.3% YoY
84%
Loan-to-Deposit Ratio ? 88.04%
+9.4% YoY +1.2% QoQ
+4.98% 83.06%
+0.3% YoY
67.65%
-1.7% YoY
78.04%
+0.7% YoY
41%
Non-Interest-Bearing Deposit Share ? 34.81%
+0.4% YoY -1.3% QoQ
+13.76% 21.05%
-0.9% YoY
29.04%
-1.4% YoY
21.79%
-1.3% YoY
Top 9% in tier
Nonperforming Asset Ratio ? 0.06%
-26.2% QoQ
-0.44% 0.50%
+20.3% YoY
0.42%
+34.9% YoY
0.48%
+20.8% YoY
85%
Tier 1 Capital Ratio ? 12.05%
+7.6% YoY +2.9% QoQ
+1.81% 10.24%
-0.6% YoY
10.86%
-2.2% YoY
9.75%
-1.9% YoY
47%
Non-Interest Income / Assets ? 0.09%
-36.3% YoY +64.3% QoQ
-0.65% 0.74%
-1.3% YoY
0.87%
+17.4% YoY
0.65%
+0.6% YoY
Bottom 3% in tier

Signature Analysis

Strengths (2)

Credit Quality Leader

growth
#38 of 371 · Top 10% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.63%, National: 0.66%)
better than tier avg
371 of 371 Community banks match · 443 nationally
→ Stable +6 banks QoQ | QoQ rank declining

Deposit Franchise

growth
#100 of 150 · Top 66% 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: 34.81%
(Tier: 21.05%, National: 21.79%)
better than tier avg
Net Interest Margin: 4.24%
(Tier: 3.66%, National: 3.75%)
better than tier avg
150 of 150 Community banks match · 176 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk
#113 of 808 · Bottom 14% in Community

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.63%, National: 0.66%)
better than tier avg
808 of 808 Community banks match · 961 nationally
→ Stable +22 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#210 of 642 · Bottom 33% 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

Flatlined Growth

risk
#116 of 245 · Bottom 47% in Community

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.20%
(Tier: 1.16%, National: 1.12%)
better than tier avg
245 of 245 Community banks match · 308 nationally
↓ Shrinking -35 banks QoQ

Non-Interest Income / Assets

metric
Bottom 3% in Community
Why this stands out
Current: 0.09%
(Tier avg: 0.74%, 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%

Comparing against 1484 peers in Community tier

Top Strengths

91
Non-Interest-Bearing Deposit Share
Current: 34.81% · Tier avg: 21.05%
91th pctile
85
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85th pctile
84
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84th pctile
79
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
79th pctile
56
Return on Assets
Current: 1.20% · Tier avg: 1.16%
56th pctile
51
Efficiency Ratio
Current: 61.95% · Tier avg: 62.63%
51th pctile
47
Tier 1 Capital Ratio
Current: 12.05% · Tier avg: 10.24%
47th pctile
41
Loan-to-Deposit Ratio
Current: 88.04% · Tier avg: 83.06%
41th pctile
28
Total Loans
Current: $484.2M · Tier avg: $975.5M
28th pctile
21
Total Deposits
Current: $550.0M · Tier avg: $1.2B
21th pctile
16
Total Assets
Current: $611.4M · Tier avg: $1.4B
16th pctile
3
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
3th pctile

Top Weaknesses

3
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
3th pctile
16
Total Assets
Current: $611.4M · Tier avg: $1.4B
16th pctile
21
Total Deposits
Current: $550.0M · Tier avg: $1.2B
21th pctile
28
Total Loans
Current: $484.2M · Tier avg: $975.5M
28th pctile
41
Loan-to-Deposit Ratio
Current: 88.04% · Tier avg: 83.06%
41th pctile
47
Tier 1 Capital Ratio
Current: 12.05% · Tier avg: 10.24%
47th pctile
51
Efficiency Ratio
Current: 61.95% · Tier avg: 62.63%
51th pctile
56
Return on Assets
Current: 1.20% · Tier avg: 1.16%
56th pctile
79
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
79th pctile
84
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84th pctile
85
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85th pctile
91
Non-Interest-Bearing Deposit Share
Current: 34.81% · Tier avg: 21.05%
91th pctile
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