BlastPoint's Banking Scorecard
Austin County State Bank
Micro
Specialty: Commercial
TX
FDIC cert 58484
Designations: ✓ Community bank
Bellville, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Austin County State Bank shows strong momentum with 2 strengths and 18.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.04% above tier
- + Net Interest Margin 1.29% above 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 ? |
$478.2M
+18.4% YoY
+7.9% QoQ
|
+$260.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$360.5M
+15.3% YoY
+4.6% QoQ
|
+$221.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$426.4M
+18.8% YoY
+8.7% QoQ
|
+$242.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.13%
+6.3% YoY
-2.4% QoQ
|
+1.04% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
5.14%
+4.6% YoY
+1.0% QoQ
|
+1.29% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
52.30%
-5.6% YoY
+6.2% QoQ
|
-15.43% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.18%
-63.5% YoY
-57.5% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
84.53%
-3.0% YoY
-3.8% QoQ
|
+10.00% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
21.85%
-10.1% YoY
-5.6% QoQ
|
-0.55% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.13%
-64.5% YoY
-58.8% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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 ? |
0.28%
-14.2% YoY
+11.7% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
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
99
99th pctile
Total Deposits
Current: $426.4M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $360.5M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $478.2M · Tier avg: $217.5M
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
86
86th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 67.73%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.85% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.53% · Tier avg: 74.53%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.53% · Tier avg: 74.53%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.85% · Tier avg: 22.39%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
86
86th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
97
97th pctile
Total Assets
Current: $478.2M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $360.5M · Tier avg: $139.2M
99
99th pctile
Total Deposits
Current: $426.4M · Tier avg: $183.7M