BlastPoint's Banking Scorecard
Haskell National Bank
Designations: ✓ Community bank
Haskell, TX
2 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -2.1% year over year ($63.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.08%.
- Efficiency ratio 75.32% vs a 119.40% peer average.
- Loan-to-deposit ratio 39.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Haskell National Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 23.00% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.09% above tier average
- + Efficiency Ratio 44.07% 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 ? |
$72.6M
-0.7% YoY
-4.4% QoQ
|
+$10.2M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$24.6M
-2.7% YoY
+3.5% QoQ
|
-$10.3M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$63.1M
-2.1% YoY
-5.2% QoQ
|
+$11.5M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.08%
+63.5% YoY
+6.4% QoQ
|
+0.09% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.96%
+13.1% YoY
+9.5% QoQ
|
+0.05% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
75.32%
-8.8% YoY
-1.0% QoQ
|
-44.07% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
39.00%
-0.6% YoY
+9.2% QoQ
|
-35.21% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
46.49%
-6.7% YoY
+0.5% QoQ
|
+23.00% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
33.15%
+10.3% YoY
+3.8% QoQ
|
+6.03% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 13.6% in tier |
| Non-Interest Income / Assets ? |
0.37%
+13.2% YoY
+64.8% QoQ
|
-1.01% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 12.5% in tier |
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 |
46.5%
-3.3pp YoY +0.2pp QoQ |
+21.9pp | 24.6% | 29.2% | 22.2% | 96% |
| 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 |
6.8%
+2.2pp YoY +2.4pp QoQ |
-6.6pp | 13.4% | 14.8% | 12.5% | 32% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
40.4%
+2.0pp YoY -4.1pp QoQ |
+5.4pp | 35.0% | 25.8% | 31.3% | 62% |
| Consumer |
9.2%
+0.1pp YoY +0.3pp QoQ |
+1.5pp | 7.7% | 4.7% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
33.1%
+3.1pp YoY +1.2pp QoQ |
-5.5pp | 38.7% | 22.7% | 19.7% | 75% |
| Leverage Ratio |
13.6%
+0.2pp YoY +0.3pp QoQ |
-4.1pp | 17.7% | 12.6% | 12.6% | 58% |
| Total Capital Ratio |
34.2%
+3.2pp YoY +1.2pp QoQ |
-5.5pp | 39.7% | 23.8% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
0 YoY 0 QoQ |
+8 | 12 | 186 | 482 | 88% |
| Assets per Employee ($) |
$3.6M
-0.7% YoY -4.4% QoQ |
-$2.6M | $6.2M | $10.1M | $8.8M | 14% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.8%
+2.8pp YoY +0.4pp QoQ |
+2.4pp | 6.4% | 13.2% | 11.6% | 54% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 10% |
| Net Income ($, YTD) |
$402,000
+65.4% YoY — QoQ |
+$84K | $317,817 | $15.9M | $40.4M | 63% |
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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.