BlastPoint's Banking Scorecard
Junction National Bank
Designations: ✓ Community bank
Junction, TX
Junction National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Non-Interest-Bearing Deposit Share 20.86% above tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.63% above tier average
- + Efficiency Ratio 32.59% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.4M
+9.3% YoY
+0.9% QoQ
|
+$33.3M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 5.2% in tier |
| Total Loans ? |
$21.0M
-1.1% YoY
+1.2% QoQ
|
-$13.2M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$87.0M
+7.1% YoY
+0.8% QoQ
|
+$35.3M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 1.5% in tier |
| Return on Assets ? |
1.47%
+3.0% YoY
+1.0% QoQ
|
+0.63% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.20%
+2.2% YoY
-1.9% QoQ
|
-0.66% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
55.75%
-6.4% YoY
+0.5% QoQ
|
-32.59% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
24.18%
-7.7% YoY
+0.4% QoQ
|
-40.03% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.57%
-0.1% YoY
+1.5% QoQ
|
+20.86% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 6.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
38.32%
+7.7% YoY
+2.7% QoQ
|
+11.63% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 11.6% in tier |
| Non-Interest Income / Assets ? |
0.11%
-8.5% YoY
-74.9% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
75% |
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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
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