BlastPoint's Banking Scorecard
PrimeBank of Texas
Micro
Specialty: Commercial
TX
FDIC cert 57495
Designations: ✓ Community bank
Austin, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
PrimeBank of Texas shows strong momentum with 2 strengths and 34.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.4M
+34.4% YoY
+9.8% QoQ
|
+$72.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$166.0M
+35.8% YoY
+5.1% QoQ
|
+$26.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$257.0M
+38.5% YoY
+11.0% QoQ
|
+$73.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.44%
+51.5% YoY
+6.9% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.26%
+8.6% YoY
+1.8% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
52.91%
-16.1% YoY
-2.0% QoQ
|
-14.82% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
85% |
| 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 ? |
64.58%
-1.9% YoY
-5.3% QoQ
|
-9.95% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
16.41%
-17.9% YoY
-4.6% QoQ
|
-5.98% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
28% |
| 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 ? |
0.30%
+2.1% YoY
+23.0% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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%
85
85th pctile
Efficiency Ratio
Current: 52.91% · Tier avg: 67.73%
72
72th pctile
Total Deposits
Current: $257.0M · Tier avg: $183.7M
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
70
70th pctile
Total Assets
Current: $290.4M · Tier avg: $217.5M
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
65
65th pctile
Total Loans
Current: $166.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
30
30th pctile
Loan-to-Deposit Ratio
Current: 64.58% · Tier avg: 74.53%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.41% · Tier avg: 22.39%
Top Weaknesses
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.41% · Tier avg: 22.39%
30
30th pctile
Loan-to-Deposit Ratio
Current: 64.58% · Tier avg: 74.53%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Total Loans
Current: $166.0M · Tier avg: $139.2M
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
70
70th pctile
Total Assets
Current: $290.4M · Tier avg: $217.5M
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
72
72th pctile
Total Deposits
Current: $257.0M · Tier avg: $183.7M
85
85th pctile
Efficiency Ratio
Current: 52.91% · Tier avg: 67.73%
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%