BlastPoint's Banking Scorecard
Guadalupe Bank
Micro
Specialty: Commercial
TX
FDIC cert 58768
Designations: ✓ Community bank
Kerrville, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Guadalupe Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.33% 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 ? |
$243.4M
+4.0% YoY
+1.5% QoQ
|
+$25.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$174.4M
-5.7% YoY
-0.4% QoQ
|
+$35.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$218.1M
+6.0% YoY
+1.6% QoQ
|
+$34.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.87%
+0.3% YoY
-8.1% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
5.18%
+7.0% YoY
-0.5% QoQ
|
+1.33% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
54.50%
+1.7% YoY
+4.9% QoQ
|
-13.23% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.00%
-99.8% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
79.99%
-11.0% YoY
-2.0% QoQ
|
+5.46% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
30.49%
+1.3% YoY
-3.9% QoQ
|
+8.09% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.00%
-99.9% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
13.91%
+11.7% YoY
-1.7% QoQ
|
+5.05% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.48%
-12.2% YoY
+29.4% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(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
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
82
82th pctile
Efficiency Ratio
Current: 54.50% · Tier avg: 67.73%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.49% · Tier avg: 22.39%
68
68th pctile
Total Loans
Current: $174.4M · Tier avg: $139.2M
68
68th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 8.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
64
64th pctile
Total Deposits
Current: $218.1M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $243.4M · Tier avg: $217.5M
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.99% · Tier avg: 74.53%
Top Weaknesses
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.99% · Tier avg: 74.53%
61
61th pctile
Total Assets
Current: $243.4M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $218.1M · Tier avg: $183.7M
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 8.85%
68
68th pctile
Total Loans
Current: $174.4M · Tier avg: $139.2M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.49% · Tier avg: 22.39%
82
82th pctile
Efficiency Ratio
Current: 54.50% · Tier avg: 67.73%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%