BlastPoint's Banking Scorecard
R Bank
Community
Specialty: Commercial
TX
FDIC cert 58935
Round Rock, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
R Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.41% above tier
- - Nonperforming Asset Ratio 1.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.8% YoY
+2.1% QoQ
|
-$329.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$775.9M
-3.1% YoY
+2.1% QoQ
|
-$199.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$951.0M
+11.6% YoY
+2.3% QoQ
|
-$213.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.67%
-1.2% QoQ
|
-0.49% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.68%
+7.1% YoY
+0.8% QoQ
|
+0.02% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
75.45%
-21.4% YoY
-2.9% QoQ
|
+12.82% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
2.04%
-2.0% YoY
-1.4% QoQ
|
+1.41% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
81.58%
-13.2% YoY
-0.2% QoQ
|
-1.48% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
20.41%
-0.3% YoY
-6.5% QoQ
|
-0.63% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.62%
-6.8% YoY
-1.4% QoQ
|
+1.12% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
12.27%
+6.2% YoY
-1.4% QoQ
|
+2.03% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.44%
+111.8% YoY
+53.1% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.04%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.62%
(Tier avg: 0.50%, National avg: 0.48%)
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
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.58% · Tier avg: 83.06%
56
56th pctile
Total Deposits
Current: $951.0M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $775.9M · Tier avg: $975.5M
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.41% · Tier avg: 21.05%
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 10.24%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 75.45% · Tier avg: 62.63%
9
9th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.50%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.63%
17
17th pctile
Efficiency Ratio
Current: 75.45% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 10.24%
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.41% · Tier avg: 21.05%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $775.9M · Tier avg: $975.5M
56
56th pctile
Total Deposits
Current: $951.0M · Tier avg: $1.2B
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.58% · Tier avg: 83.06%