BlastPoint's Banking Scorecard
Community National Bank & Trust of Texas
Designations: ✓ Community bank
Corsicana, TX
18 branches across TX
Community National Bank & Trust of Texas shows strong momentum with 4 strengths and 30.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.1% in tier
- + Deposit Franchise: Top 53.5% in tier
- + Efficiency Ratio 4.16% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+30.7% YoY
+3.3% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$1.2B
+32.6% YoY
-1.1% QoQ
|
-$805.1M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$1.4B
+32.6% YoY
+3.8% QoQ
|
-$921.3M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.61%
+37.7% YoY
+28.5% QoQ
|
+0.24% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.56%
+8.5% YoY
+0.3% QoQ
|
+0.74% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 10.6% in tier |
| Efficiency Ratio ? |
56.90%
-13.7% YoY
-10.8% QoQ
|
-4.16% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.18%
-82.3% YoY
+445.9% QoQ
|
-0.71% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
81.55%
-0.0% YoY
-4.7% QoQ
|
-2.65% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
31.83%
-11.0% YoY
-5.0% QoQ
|
+10.54% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 12.8% in tier |
| Nonperforming Asset Ratio ? |
0.52%
-23.3% YoY
+18.6% QoQ
|
-0.15% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.89%
-18.5% YoY
+0.4% QoQ
|
-2.27% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.19%
+8.6% YoY
-73.0% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.