BlastPoint's Banking Scorecard
Junction National Bank
Designations: ✓ Community bank
Junction, 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 +2.8% year over year ($84.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.60%.
- Efficiency ratio 54.17% vs a 119.40% peer average.
- Loan-to-deposit ratio 24.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Junction National Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 19.79% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.61% above tier average
- + Efficiency Ratio 65.22% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.0M
+4.9% YoY
-2.5% QoQ
|
+$30.6M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 9.9% in tier |
| Total Loans ? |
$21.1M
+0.1% YoY
+0.3% QoQ
|
-$13.8M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$84.6M
+2.8% YoY
-2.8% QoQ
|
+$33.0M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 3.7% in tier |
| Return on Assets ? |
1.60%
+9.0% YoY
+9.1% QoQ
|
+0.61% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.24%
+0.5% YoY
+1.3% QoQ
|
-0.67% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
54.17%
-5.7% YoY
-2.8% QoQ
|
-65.22% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
84% |
| 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 ? |
24.95%
-2.6% YoY
+3.2% QoQ
|
-49.26% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 7.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.28%
-3.1% YoY
-2.9% QoQ
|
+19.79% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 6.5% 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 ? |
12.04%
-66.7% YoY
-68.6% QoQ
|
-15.09% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.23%
-1.0% YoY
+114.1% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
43.3%
-1.4pp YoY -1.3pp QoQ |
+18.6pp | 24.6% | 29.2% | 22.2% | 93% |
| 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 |
8.6%
+0.3pp YoY 0.0pp QoQ |
-4.8pp | 13.4% | 14.8% | 12.5% | 44% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
30.2%
+0.8pp YoY -0.5pp QoQ |
-4.8pp | 35.0% | 25.8% | 31.3% | 50% |
| Consumer |
6.9%
+1.1pp YoY +0.6pp QoQ |
-0.8pp | 7.7% | 4.7% | 5.0% | 63% |
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 |
12.0%
+0.4pp YoY +0.6pp QoQ |
-5.7pp | 17.7% | 12.6% | 12.6% | 40% |
| 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 |
11
0 YoY -1 (-8.3%) QoQ |
-1 | 12 | 186 | 482 | 50% |
| Assets per Employee ($) |
$8.5M
+4.9% YoY +6.4% QoQ |
+$2.3M | $6.2M | $10.1M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.5%
-4.3pp YoY +1.4pp QoQ |
+12.1pp | 6.4% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.6% | 1.7% | 17% |
| Net Income ($, YTD) |
$756,000
+18.3% YoY — QoQ |
+$438K | $317,817 | $15.9M | $40.4M | 91% |
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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.