BlastPoint's Banking Scorecard

The First National Bank in Falfurrias

under $100M Specialty: Other TX FDIC cert 14095

Designations: ✓ Community bank

Falfurrias, TX

541 banks in the under $100M peer group nationally 38 in TX

The First National Bank in Falfurrias demonstrates 5 strengths

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

+ Non-Interest-Bearing Deposit Share 24.17% above tier average
+ ROA 0.87% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 31.05% below tier average
+ Delinquency Rate 1.27% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$84.8M +4.3% YoY -5.7% QoQ	+$22.7M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$21.4M -1.9% YoY -4.5% QoQ	-$12.8M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$76.8M +4.7% YoY -6.6% QoQ	+$25.0M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 14.6% in tier
Return on Assets ?	1.70% -12.8% YoY -7.8% QoQ	+0.87%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	3.95% -16.2% YoY -13.1% QoQ	+0.09%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	57.29% -1.1% YoY -3.4% QoQ	-31.05%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.10% -49.1% YoY -21.4% QoQ	-1.27%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	27.91% -6.3% YoY +2.2% QoQ	-36.30%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	47.88% +4.0% YoY -6.3% QoQ	+24.17%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 4.3% in tier
Nonperforming Asset Ratio ?	0.02% -52.1% YoY -20.5% QoQ	-0.76%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	9.74% -4.7% YoY +1.3% QoQ	-16.95%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 5.2% in tier
Non-Interest Income / Assets ?	0.10% -6.3% YoY -73.1% QoQ	-0.56%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	72%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 47.88%

Peer Median: 23.71%

#24 of 541 Top 4.3% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 27.91%

Peer Median: 64.22%

#43 of 541 Top 7.8% in under $100M

Total Deposits

size

Value: $76.76M

Peer Median: $51.74M

#80 of 541 Top 14.6% in under $100M

Return on Assets

profitability

Value: 1.70%

Peer Median: 0.84%

#89 of 541 Top 16.3% in under $100M

107

Efficiency Ratio

profitability

Value: 57.29%

Peer Median: 88.34%

#107 of 541 Top 19.6% in under $100M

121

Total Assets

size

Value: $84.82M

Peer Median: $62.16M

#121 of 541 Top 22.2% in under $100M

Top Weaknesses (1 metrics)

514

Tier 1 Capital Ratio

capital

Value: 9.74%

Peer Median: 26.68%

#514 of 541 Bottom 5.2% in under $100M