BlastPoint's Banking Scorecard
Community National Bank & Trust of Texas
Designations: ✓ Community bank
Corsicana, TX
18 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +6.2% year over year ($1.4B on the books).
- Delinquency rate 0.09%.
- Return on assets 1.66%.
- Efficiency ratio 56.20% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.10% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community National Bank & Trust of Texas has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24.9% in tier
- + Profitability Leader: Top 35.1% in tier
- + Deposit Franchise: Top 53.8% in tier
- + Efficiency Ratio 3.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 8.1% in tier
- - Capital Thin: Bottom 42.3% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+6.7% YoY
+0.3% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$1.2B
+2.0% YoY
+1.7% QoQ
|
-$783.4M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$1.4B
+6.2% YoY
-0.2% QoQ
|
-$899.1M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.66%
+44.8% YoY
+3.6% QoQ
|
+0.27% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
4.65%
-9.1% YoY
+2.0% QoQ
|
+0.78% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
56.20%
-21.4% YoY
-1.2% QoQ
|
-3.52% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.09%
+138.4% YoY
-46.7% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 11.2% in tier |
| Loan-to-Deposit Ratio ? |
83.10%
-3.9% YoY
+1.9% QoQ
|
-1.93% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
31.50%
-4.6% YoY
-1.0% QoQ
|
+10.23% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.1% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-45.7% YoY
-50.7% QoQ
|
-0.42% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.62%
-14.5% YoY
-17.6% QoQ
|
-4.22% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.4% in tier |
| Non-Interest Income / Assets ? |
0.38%
+4.2% YoY
+99.7% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
31.5%
-1.5pp YoY -0.3pp QoQ |
+10.1pp | 21.4% | 29.2% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
13.2%
+0.1pp YoY +0.3pp QoQ |
-0.8pp | 14.0% | 14.8% | 12.5% | 61% |
| CRE |
72.2%
+1.6pp YoY +0.2pp QoQ |
+22.2pp | 50.0% | 48.4% | 41.4% | 90% |
| 1-4 Family |
9.6%
-1.5pp YoY -0.5pp QoQ |
-16.8pp | 26.4% | 25.8% | 31.3% | 16% |
| Consumer |
0.9%
-0.3pp YoY -0.1pp QoQ |
-3.8pp | 4.7% | 4.7% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
10.6%
+0.5pp YoY +0.2pp QoQ |
-0.7pp | 11.3% | 12.6% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
247
+18 (+7.9%) YoY +5 (+2.1%) QoQ |
-67 | 313 | 186 | 482 | 54% |
| Assets per Employee ($) |
$6.8M
-1.1% YoY -1.7% QoQ |
-$3.7M | $10.5M | $10.1M | $8.8M | 21% |
| Branch Count |
18
-1 (-5.3%) YoY -1 (-5.3%) QoQ |
-2 | 20 | 12 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 10% |
| Allowance Coverage |
14.24x
-41.9% YoY +86.1% QoQ |
-4.47x | 18.71x | 18.82x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
+4.5pp YoY +0.4pp QoQ |
+1.8pp | 12.6% | 13.2% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.6%
-0.6pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$13.8M
+73.8% YoY — QoQ |
-$5.4M | $19.2M | $15.9M | $40.4M | 56% |
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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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.