BlastPoint's Banking Scorecard
Agility Bank, National Association
Micro
Specialty: Commercial
TX
FDIC cert 59239
Designations: ✓ Community bank
Houston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Agility Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.76% below tier
- - Efficiency Ratio 34.38% above tier
- - Loan-to-Deposit Ratio 26.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.4M
+25.8% YoY
-0.1% QoQ
|
-$87.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$99.4M
+18.5% YoY
+1.3% QoQ
|
-$39.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$98.5M
+42.2% YoY
-0.1% QoQ
|
-$85.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-0.67%
+89.2% YoY
+36.9% QoQ
|
-1.76% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.90%
-10.4% YoY
-0.1% QoQ
|
+1.05% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
102.10%
-46.4% YoY
-7.3% QoQ
|
+34.38% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.54%
+367.6% YoY
+490.2% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
100.95%
-16.7% YoY
+1.4% QoQ
|
+26.42% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.89%
-15.8% YoY
-7.3% QoQ
|
+1.50% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.41%
+340.5% YoY
+498.6% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| 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 ? |
0.40%
+424.2% YoY
+7.8% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.67%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
102.10%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.95%
(Tier avg: 74.53%, National avg: 78.04%)
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
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.89% · Tier avg: 22.39%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
43
43th pctile
Total Loans
Current: $99.4M · Tier avg: $139.2M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
32
32th pctile
Total Assets
Current: $130.4M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.95% · Tier avg: 74.53%
5
5th pctile
Efficiency Ratio
Current: 102.10% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.67% · Tier avg: 1.08%
Top Weaknesses
3
3th pctile
Return on Assets
Current: -0.67% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 102.10% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.95% · Tier avg: 74.53%
28
28th pctile
Total Deposits
Current: $98.5M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $130.4M · Tier avg: $217.5M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
43
43th pctile
Total Loans
Current: $99.4M · Tier avg: $139.2M
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.89% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.85%