BlastPoint's Banking Scorecard
Austin Capital Bank SSB
Micro
Specialty: Consumer
TX
FDIC cert 58082
Designations: ✓ Community bank
Austin, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Austin Capital Bank SSB has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.82% above tier
- + Tier 1 Capital Ratio 27.63% above tier
- + Non-Interest Income / Assets 0.82% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.72% above tier
- - Non-Interest-Bearing Deposit Share 18.97% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$469.2M
+2.2% YoY
-3.3% QoQ
|
+$251.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$407.9M
+3.6% YoY
-3.8% QoQ
|
+$268.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$373.4M
+2.0% YoY
-4.6% QoQ
|
+$189.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.03%
+16.6% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
6.67%
-2.2% YoY
+0.5% QoQ
|
+2.82% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
86.84%
-17.7% YoY
-0.2% QoQ
|
+19.11% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.15%
+15.7% YoY
-17.5% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
109.24%
+1.5% YoY
+0.8% QoQ
|
+34.72% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.42%
+99.0% YoY
+10.6% QoQ
|
-18.97% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+17.3% YoY
-17.9% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
36.49%
+14.2% YoY
-0.2% QoQ
|
+27.63% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
1.39%
+85.6% YoY
+45.6% QoQ
|
+0.82% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.67%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.49%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.39%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.24%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.42%
(Tier avg: 22.39%, National avg: 21.79%)
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
Total Loans
Current: $407.9M · Tier avg: $139.2M
99
99th pctile
Net Interest Margin
Current: 6.67% · Tier avg: 3.85%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.49% · Tier avg: 8.85%
96
96th pctile
Total Assets
Current: $469.2M · Tier avg: $217.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.39% · Tier avg: 0.56%
93
93th pctile
Total Deposits
Current: $373.4M · Tier avg: $183.7M
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 86.84% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.42% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.24% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.24% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.42% · Tier avg: 22.39%
11
11th pctile
Efficiency Ratio
Current: 86.84% · Tier avg: 67.73%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
93
93th pctile
Total Deposits
Current: $373.4M · Tier avg: $183.7M
95
95th pctile
Non-Interest Income / Assets
Current: 1.39% · Tier avg: 0.56%
96
96th pctile
Total Assets
Current: $469.2M · Tier avg: $217.5M
98
98th pctile
Tier 1 Capital Ratio
Current: 36.49% · Tier avg: 8.85%
99
99th pctile
Net Interest Margin
Current: 6.67% · Tier avg: 3.85%
100
100th pctile
Total Loans
Current: $407.9M · Tier avg: $139.2M