BlastPoint's Banking Scorecard

Harmony Bank

Community Specialty: Commercial TX FDIC cert 57922

Dallas, TX

1484 banks in Community tier nationally 136 in TX

View Community leaderboard (TX) →

Harmony Bank shows strong momentum with 1 strength and 6.8% YoY asset growth

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 51% in Community

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 ?	$837.9M +6.8% YoY +2.9% QoQ	-$553.6M	$1.4B +2.0% YoY	$2.3B -0.7% YoY	$5.9B +6.5% YoY	38%
Total Loans ?	$586.4M +1.6% YoY -0.2% QoQ	-$389.1M	$975.5M +2.4% YoY	$1.0B +7.5% YoY	$3.1B +8.5% YoY	40%
Total Deposits ?	$692.8M +5.1% YoY +1.5% QoQ	-$471.8M	$1.2B +1.7% YoY	$1.9B +2.1% YoY	$4.7B +6.3% YoY	37%
Return on Assets ?	1.00% +32.0% YoY +7.6% QoQ	-0.16%	1.16% +17.2% YoY	1.40% +9.8% YoY	1.12% +15.6% YoY	39%
Net Interest Margin ?	4.89% +18.5% YoY +0.6% QoQ	+1.23%	3.66% +9.1% YoY	4.07% +5.6% YoY	3.75% +7.1% YoY	Top 6% in tier
Efficiency Ratio ?	61.00% -7.8% YoY -1.1% QoQ	-1.64%	62.63% -5.3% YoY	61.95% -3.4% YoY	65.09% -5.1% YoY	54%
Delinquency Rate ?	0.12% -76.7% YoY +44.9% QoQ	-0.51%	0.63% +18.3% YoY	0.57% +45.3% YoY	0.66% +20.3% YoY	80%
Loan-to-Deposit Ratio ?	84.65% -3.3% YoY -1.7% QoQ	+1.59%	83.06% +0.3% YoY	67.65% -1.7% YoY	78.04% +0.7% YoY	51%
Non-Interest-Bearing Deposit Share ?	29.63% -2.1% YoY -1.3% QoQ	+8.59%	21.05% -0.9% YoY	29.04% -1.4% YoY	21.79% -1.3% YoY	83%
Nonperforming Asset Ratio ?	0.08% -77.8% YoY -74.8% QoQ	-0.42%	0.50% +20.3% YoY	0.42% +34.9% YoY	0.48% +20.8% YoY	81%
Tier 1 Capital Ratio ?	14.98% +18.8% YoY +18.2% QoQ	+4.73%	10.24% -0.6% YoY	10.86% -2.2% YoY	9.75% -1.9% YoY	76%
Non-Interest Income / Assets ?	0.21% -9.7% YoY +32.2% QoQ	-0.53%	0.74% -1.3% YoY	0.87% +17.4% YoY	0.65% +0.6% YoY	Bottom 12% in tier

Signature Analysis

Strengths (1)

Deposit Franchise

growth

#77 of 150 · Top 51% 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: 29.63%

(Tier: 21.05%, National: 21.79%)

better than tier avg

Net Interest Margin: 4.89%

(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 (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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Net Interest Margin

Current: 4.89% · Tier avg: 3.66%

94th pctile

Non-Interest-Bearing Deposit Share

Current: 29.63% · Tier avg: 21.05%

83th pctile

Nonperforming Asset Ratio

Current: 0.08% · Tier avg: 0.50%

81th pctile

Delinquency Rate

Current: 0.12% · Tier avg: 0.63%

80th pctile

Tier 1 Capital Ratio

Current: 14.98% · Tier avg: 10.24%

76th pctile

Efficiency Ratio

Current: 61.00% · Tier avg: 62.63%

54th pctile

Loan-to-Deposit Ratio

Current: 84.65% · Tier avg: 83.06%

51th pctile

Total Loans

Current: $586.4M · Tier avg: $975.5M

40th pctile

Return on Assets

Current: 1.00% · Tier avg: 1.16%

39th pctile

Total Assets

Current: $837.9M · Tier avg: $1.4B

38th pctile

Total Deposits

Current: $692.8M · Tier avg: $1.2B

37th pctile

Non-Interest Income / Assets

Current: 0.21% · Tier avg: 0.74%

12th pctile

Top Weaknesses