BlastPoint's Banking Scorecard
The First National Bank in Falfurrias
Designations: ✓ Community bank
Falfurrias, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +3.7% year over year ($71.4M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.73%.
- Efficiency ratio 57.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 29.70% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank in Falfurrias demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 27.10% above tier average
- + ROA 0.74% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 61.73% below tier average
- + Delinquency Rate 1.40% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.4M
+3.1% YoY
-6.4% QoQ
|
+$16.9M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$21.2M
-3.6% YoY
-1.0% QoQ
|
-$13.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$71.4M
+3.7% YoY
-7.0% QoQ
|
+$19.8M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.73%
-15.6% YoY
+1.8% QoQ
|
+0.74% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.07%
-13.8% YoY
+3.0% QoQ
|
+0.15% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
57.67%
+3.2% YoY
+0.7% QoQ
|
-61.73% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.08%
-52.4% YoY
-18.2% QoQ
|
-1.40% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
29.70%
-7.0% YoY
+6.4% QoQ
|
-44.50% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.58%
+7.6% YoY
+5.6% QoQ
|
+27.10% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 2.8% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-55.5% YoY
-13.5% QoQ
|
-0.82% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
9.82%
-4.4% YoY
+0.9% QoQ
|
-17.30% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.7% in tier |
| Non-Interest Income / Assets ? |
0.21%
-1.3% YoY
+108.8% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
73% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
50.6%
+3.6pp YoY +2.7pp QoQ |
+25.9pp | 24.6% | 29.2% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
34.9%
-4.4pp YoY -2.7pp QoQ |
+21.5pp | 13.4% | 14.8% | 12.5% | 94% |
| CRE |
36.2%
+2.5pp YoY +0.7pp QoQ |
+11.0pp | 25.2% | 48.4% | 41.4% | 76% |
| 1-4 Family |
11.9%
+2.1pp YoY +2.0pp QoQ |
-23.1pp | 35.0% | 25.8% | 31.3% | 24% |
| Consumer |
15.2%
-0.2pp YoY +0.3pp QoQ |
+7.5pp | 7.7% | 4.7% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
9.8%
-0.5pp YoY +0.1pp QoQ |
-7.9pp | 17.7% | 12.6% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-1 (-5.0%) YoY -1 (-5.0%) QoQ |
+7 | 12 | 186 | 482 | 87% |
| Assets per Employee ($) |
$4.2M
+8.6% YoY -1.5% QoQ |
-$2.0M | $6.2M | $10.1M | $8.8M | 24% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 9% |
| Allowance Coverage |
23.41x
+96.9% YoY +21.7% QoQ |
+17.00x | 6.41x | 18.82x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.7%
-1.8pp YoY -0.3pp QoQ |
+12.3pp | 6.4% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
0.6%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$734,000
-8.7% YoY — QoQ |
+$416K | $317,817 | $15.9M | $40.4M | 89% |
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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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.