BlastPoint's Banking Scorecard
Pegasus Bank
Community
Specialty: Commercial
TX
FDIC cert 58483
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Pegasus Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.29% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+14.2% YoY
+0.1% QoQ
|
+$149.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$936.6M
+6.8% YoY
+2.1% QoQ
|
-$38.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.4B
+12.9% YoY
-0.1% QoQ
|
+$194.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.62%
+14.1% YoY
-1.2% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.66%
-2.1% YoY
+0.6% QoQ
|
0 |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
43.35%
-3.8% YoY
+0.8% QoQ
|
-19.29% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.94%
-5.4% YoY
+2.3% QoQ
|
-14.12% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
24.88%
-21.5% YoY
-13.6% QoQ
|
+3.83% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.87%
+5.0% YoY
+2.1% QoQ
|
+5.63% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.17%
+18.1% YoY
+32.7% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.35%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(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%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
93
93th pctile
Efficiency Ratio
Current: 43.35% · Tier avg: 62.63%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 10.24%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.88% · Tier avg: 21.05%
65
65th pctile
Total Loans
Current: $936.6M · Tier avg: $975.5M
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.94% · Tier avg: 83.06%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.94% · Tier avg: 83.06%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
65
65th pctile
Total Loans
Current: $936.6M · Tier avg: $975.5M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.88% · Tier avg: 21.05%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.87% · Tier avg: 10.24%
93
93th pctile
Efficiency Ratio
Current: 43.35% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%