BlastPoint's Banking Scorecard
Zapata National Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Zapata, TX
Zapata National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + ROA 0.85% above tier average
- + Efficiency Ratio 29.12% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.1M
-5.0% YoY
-3.2% QoQ
|
+$20.9M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$36.1M
-2.9% YoY
-2.0% QoQ
|
+$1.8M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$69.7M
-6.9% YoY
-4.3% QoQ
|
+$17.9M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.69%
-9.0% YoY
-14.5% QoQ
|
+0.85% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
3.78%
+2.5% YoY
-2.5% QoQ
|
-0.08% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
59.22%
+6.9% YoY
+4.4% QoQ
|
-29.12% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
51.76%
+4.3% YoY
+2.3% QoQ
|
-12.45% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
24.82%
-0.1% YoY
+3.5% QoQ
|
+1.10% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.18%
-21.4% YoY
+3.3% QoQ
|
+0.40% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
15.78%
+8.4% YoY
+4.9% QoQ
|
-10.91% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.15%
-16.5% YoY
-84.0% QoQ
|
-0.51% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 15.0% in tier |
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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.