BlastPoint's Banking Scorecard

First National Bank of Fort Stockton

$100M-$1B Specialty: Commercial TX FDIC cert 17913

Fort Stockton, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

First National Bank of Fort Stockton has 2 strengths but faces 3 concerns

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

+ Deposit Franchise: Top 50.0% in tier
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 49.5% in tier
- Nonperforming Asset Ratio 2.55% above tier average
- Efficiency Ratio 13.54% above tier average

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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 ?	$163.8M +20.5% YoY +4.5% QoQ	-$222.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$77.9M -2.9% YoY +0.3% QoQ	-$177.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 10.2% in tier
Total Deposits ?	$148.1M +22.7% YoY +4.9% QoQ	-$179.8M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	0.92% -26.2% YoY -7.2% QoQ	-0.35%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	4.70% -0.2% YoY +3.6% QoQ	+0.76%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 13.1% in tier
Efficiency Ratio ?	78.83% +15.4% YoY +2.8% QoQ	+13.54%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.08% -93.3% YoY +153.4% QoQ	-0.81%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	52.58% -20.9% YoY -4.4% QoQ	-24.06%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 11.5% in tier
Non-Interest-Bearing Deposit Share ?	36.81% -22.1% YoY -4.9% QoQ	+14.79%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.8% in tier
Nonperforming Asset Ratio ?	3.19% -29.6% YoY -4.6% QoQ	+2.55%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 2.6% in tier
Tier 1 Capital Ratio ?	11.80% -13.9% YoY -2.4% QoQ	-4.03%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.13% -71.6% YoY -84.0% QoQ	-0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	67%

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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 (1)

Deposit Franchise

growth

#137 of 272 • Top 50.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.81%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.70%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline

#152 of 305 • Bottom 49.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.92%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

209

Non-Interest-Bearing Deposit Share

funding

Value: 36.81%

Peer Median: 22.02%

#209 of 2664 Top 7.8% in $100M-$1B

307

Loan-to-Deposit Ratio

liquidity

Value: 52.58%

Peer Median: 76.64%

#307 of 2664 Top 11.5% in $100M-$1B

351

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#351 of 2664 Top 13.1% in $100M-$1B

638

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#638 of 2654 Top 24.0% in $100M-$1B

Top Weaknesses (5 metrics)

2596

Nonperforming Asset Ratio

credit_quality

Value: 3.19%

Peer Median: 0.64%

#2596 of 2664 Bottom 2.6% in $100M-$1B

2393

Total Loans

size

Value: $77.89M

Peer Median: $255.72M

#2393 of 2664 Bottom 10.2% in $100M-$1B

2219

Efficiency Ratio

profitability

Value: 78.83%

Peer Median: 65.29%

#2219 of 2664 Bottom 16.7% in $100M-$1B

2187

Total Assets

size

Value: $163.85M

Peer Median: $386.08M

#2187 of 2664 Bottom 17.9% in $100M-$1B

2103

Total Deposits

size

Value: $148.14M

Peer Median: $327.97M

#2103 of 2664 Bottom 21.1% in $100M-$1B