BlastPoint's Banking Scorecard

First Texas Bank

$1B-$10B Specialty: Commercial TX FDIC cert 11935

Designations: ✓ Community bank

Georgetown, TX

11 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits -0.9% year over year ($1.2B on the books).
Delinquency rate 0.58%.
Return on assets 1.85%.
Efficiency ratio 41.11% vs a 59.73% peer average.
Loan-to-deposit ratio 49.21% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

First Texas Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 26.6% in tier
+ Efficiency Ratio 18.61% below tier average
+ Non-Interest-Bearing Deposit Share 22.05% above tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.15% below tier average

Get updates when First Texas Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.3B -0.5% YoY -1.4% QoQ	-$1.5B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$570.6M +4.0% YoY -2.1% QoQ	-$1.4B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 3.8% in tier
Total Deposits ?	$1.2B -0.9% YoY -1.6% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	1.85% +38.3% YoY +4.3% QoQ	+0.46%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.73% +21.4% YoY +2.4% QoQ	-0.15%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	41.11% -15.1% YoY -2.3% QoQ	-18.61%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 8.4% in tier
Delinquency Rate ?	0.58% -46.4% YoY +827.4% QoQ	-0.29%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	49.21% +5.0% YoY -0.5% QoQ	-35.83%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 3.5% in tier
Non-Interest-Bearing Deposit Share ?	43.32% +1.3% YoY +0.6% QoQ	+22.05%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 3.1% in tier
Nonperforming Asset Ratio ?	0.65% +43.6% YoY +67.2% QoQ	-0.03%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	20.48% +4.6% YoY +3.7% QoQ	+5.64%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 7.0% in tier
Non-Interest Income / Assets ?	0.18% +11.0% YoY +103.2% QoQ	-0.34%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	43.3% +0.6pp YoY +0.2pp QoQ	+21.9pp	21.4%	29.2%	22.2%	97%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	4.1% -0.9pp YoY +0.4pp QoQ	-9.9pp	14.0%	14.8%	12.5%	15%
CRE	70.3% -0.1pp YoY -1.6pp QoQ	+20.3pp	50.0%	48.4%	41.4%	88%
1-4 Family	19.0% +0.6pp YoY +0.7pp QoQ	-7.4pp	26.4%	25.8%	31.3%	40%
Consumer	2.1% +0.4pp YoY +0.5pp QoQ	-2.6pp	4.7%	4.7%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	20.5% +0.9pp YoY +0.7pp QoQ	+4.9pp	15.6%	22.7%	19.7%	92%
Leverage Ratio	11.2% +0.3pp YoY +0.1pp QoQ	-0.1pp	11.3%	12.6%	12.6%	65%
Total Capital Ratio	20.9% +0.9pp YoY +0.7pp QoQ	+4.2pp	16.7%	23.8%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	128 +3 (+2.4%) YoY +6 (+4.9%) QoQ	-186	313	186	482	16%
Assets per Employee ($)	$10.2M -2.9% YoY -6.1% QoQ	-$248K	$10.5M	$10.1M	$8.8M	67%
Branch Count	11 0 YoY 0 QoQ	-9	20	12	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.6% -0.5pp YoY +0.5pp QoQ	-0.2pp	0.8%	1.0%	1.0%	55%
Allowance Coverage	0.86x +90.5% YoY -89.3% QoQ	-17.85x	18.71x	18.82x	20.23x	18%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.8% +4.3pp YoY +0.7pp QoQ	+4.2pp	12.6%	13.2%	11.6%	82%
Cost of Funds (YTD)	0.7% -0.1pp YoY 0.0pp QoQ	-1.2pp	1.9%	1.6%	1.7%	2%
Net Income ($, YTD)	$12.2M +39.0% YoY — QoQ	-$7.1M	$19.2M	$15.9M	$40.4M	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#60 of 222 • Top 26.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.85%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 43.32%

Peer Median: 21.27%

#28 of 885 Top 3.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 49.21%

Peer Median: 85.04%

#32 of 885 Top 3.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.48%

Peer Median: 14.84%

#63 of 885 Top 7.0% in $1B-$10B

Efficiency Ratio

profitability

Value: 41.11%

Peer Median: 59.73%

#75 of 885 Top 8.4% in $1B-$10B

142

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.39%

#142 of 885 Top 15.9% in $1B-$10B

Top Weaknesses (2 metrics)

852

Total Loans

size

Value: $570.62M

Peer Median: $1.96B

#852 of 885 Bottom 3.8% in $1B-$10B

683

Total Assets

size

Value: $1.31B

Peer Median: $2.79B

#683 of 885 Bottom 22.9% in $1B-$10B