BlastPoint's Banking Scorecard
Avana Bank
Designations: ✓ Community bank
Abilene, TX
3 branches across TX
Avana Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Non-Interest-Bearing Deposit Share 21.46% above tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.17% below tier average
- - Efficiency Ratio 17.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$39.2M
-6.0% YoY
-3.4% QoQ
|
-$22.9M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$14.6M
+66.9% YoY
+13.4% QoQ
|
-$19.6M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$30.2M
-8.3% YoY
-2.8% QoQ
|
-$21.5M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
-0.33%
+58.2% YoY
-269.8% QoQ
|
-1.17% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.6% in tier |
| Net Interest Margin ? |
4.72%
+3.9% YoY
+12.2% QoQ
|
+0.86% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
106.26%
-10.6% YoY
+15.3% QoQ
|
+17.92% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
48.34%
+82.1% YoY
+16.7% QoQ
|
-15.87% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
45.17%
-1.9% YoY
-6.3% QoQ
|
+21.46% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.38%
+5.0% YoY
-7.3% QoQ
|
-9.30% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.06%
+2.2% YoY
-96.0% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
50% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.