BlastPoint's Banking Scorecard
American State Bank
Community
Specialty: Commercial
TX
FDIC cert 9967
Arp, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
American State Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 24% in Community
- - Deposit Outflow: Bottom 35% in Community
- - Return on Assets 1.19% below tier
- - Net Interest Margin 0.95% below tier
- - Efficiency Ratio 34.61% above tier
- - Delinquency Rate 3.03% above tier
- - Nonperforming Asset Ratio 2.25% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$672.7M
-3.1% YoY
-0.2% QoQ
|
-$718.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$478.4M
-6.7% YoY
-2.6% QoQ
|
-$497.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$555.8M
-3.6% YoY
-0.2% QoQ
|
-$608.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
-0.03%
+94.7% YoY
+60.0% QoQ
|
-1.19% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.71%
+12.0% YoY
+2.5% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
97.25%
-24.4% YoY
-5.3% QoQ
|
+34.61% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
3.66%
+246.3% YoY
+188.5% QoQ
|
+3.03% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.08%
-3.2% YoY
-2.4% QoQ
|
+3.02% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
13.08%
+0.1% YoY
-1.3% QoQ
|
-7.97% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
2.75%
+52.7% YoY
+117.5% QoQ
|
+2.25% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.38%
+9.0% YoY
+1.8% QoQ
|
+4.13% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.21%
-13.3% YoY
+40.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Capital Constraint
risk
#12 of 47 · Bottom 24% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
86.08%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
14.38%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#87 of 248 · Bottom 35% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
-0.03%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
97.25%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.66%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.75%
(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
72
72th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 10.24%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.08% · Tier avg: 83.06%
27
27th pctile
Total Loans
Current: $478.4M · Tier avg: $975.5M
24
24th pctile
Total Assets
Current: $672.7M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $555.8M · Tier avg: $1.2B
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
13
13th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
3
3th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 97.25% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 3.66% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.75% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.75% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.66% · Tier avg: 0.63%
2
2th pctile
Efficiency Ratio
Current: 97.25% · Tier avg: 62.63%
3
3th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.16%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
13
13th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
22
22th pctile
Total Deposits
Current: $555.8M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $672.7M · Tier avg: $1.4B
27
27th pctile
Total Loans
Current: $478.4M · Tier avg: $975.5M
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.08% · Tier avg: 83.06%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 10.24%