BlastPoint's Banking Scorecard
Texas Security Bank
Community
Specialty: Commercial
TX
FDIC cert 58739
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Security Bank shows strong momentum with 2 strengths and 15.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 ? |
$1.3B
+15.7% YoY
+9.4% QoQ
|
-$43.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$927.6M
+9.0% YoY
+1.0% QoQ
|
-$47.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.2B
+15.4% YoY
+14.3% QoQ
|
+$57.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.11%
+39.0% YoY
+19.2% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.36%
+14.3% YoY
+0.5% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
59.22%
-14.3% YoY
-4.2% QoQ
|
-3.42% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
75.90%
-5.5% YoY
-11.6% QoQ
|
-7.16% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
26.09%
-12.0% YoY
-12.2% QoQ
|
+5.04% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
13.94%
+3.5% YoY
+2.8% QoQ
|
+3.70% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.23%
-4.6% YoY
+23.7% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (2)
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 (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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
65
65th pctile
Total Loans
Current: $927.6M · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
60
60th pctile
Efficiency Ratio
Current: 59.22% · Tier avg: 62.63%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
33
33th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.90% · Tier avg: 83.06%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.90% · Tier avg: 83.06%
33
33th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
60
60th pctile
Efficiency Ratio
Current: 59.22% · Tier avg: 62.63%
65
65th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $927.6M · Tier avg: $975.5M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 26.09% · Tier avg: 21.05%
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%