BlastPoint's Banking Scorecard
Texas Traditions Bank
Micro
Specialty: Commercial
TX
FDIC cert 59304
Designations: ✓ Community bank
Katy, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texas Traditions Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.39% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 20.17% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$473.5M
+69.8% YoY
+28.6% QoQ
|
+$256.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$259.4M
+30.1% YoY
+3.4% QoQ
|
+$120.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$423.1M
+81.9% YoY
+32.2% QoQ
|
+$239.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.89%
-27.9% YoY
+4.9% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
5.24%
-9.5% YoY
-4.1% QoQ
|
+1.39% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
71.88%
+3.4% YoY
-1.6% QoQ
|
+4.15% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
61.31%
-28.5% YoY
-21.8% QoQ
|
-13.22% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
42.56%
-10.7% YoY
+7.2% QoQ
|
+20.17% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.07%
+5.0% YoY
+9.1% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.24%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.56%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Total Deposits
Current: $423.1M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $473.5M · Tier avg: $217.5M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.56% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $259.4M · Tier avg: $139.2M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.31% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
35
35th pctile
Efficiency Ratio
Current: 71.88% · Tier avg: 67.73%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
35
35th pctile
Efficiency Ratio
Current: 71.88% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.31% · Tier avg: 74.53%
86
86th pctile
Total Loans
Current: $259.4M · Tier avg: $139.2M
94
94th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.56% · Tier avg: 22.39%
97
97th pctile
Total Assets
Current: $473.5M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $423.1M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%