BlastPoint's Banking Scorecard
Inwood National Bank
Designations: ✓ Community bank
Dallas, TX
12 branches across TX
Inwood National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.62% below tier average
- + ROA 0.14% above tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - Non-Interest Income / Assets 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+1.4% YoY
-2.4% QoQ
|
+$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$2.5B
+3.2% YoY
-2.7% QoQ
|
+$501.4M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$3.9B
+0.7% YoY
-2.9% QoQ
|
+$1.5B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.51%
+35.6% YoY
+23.0% QoQ
|
+0.14% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
2.74%
+28.7% YoY
+13.1% QoQ
|
-1.07% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio ? |
38.44%
-22.0% YoY
-18.2% QoQ
|
-22.62% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 6.3% in tier |
| Delinquency Rate ? |
0.50%
-35.6% YoY
-11.6% QoQ
|
-0.39% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
64.01%
+2.4% YoY
+0.2% QoQ
|
-20.19% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.96%
-1.9% YoY
-2.5% QoQ
|
+8.67% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.28%
-34.4% YoY
-11.9% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
15.92%
+5.3% YoY
+5.5% QoQ
|
+0.76% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.03%
-2.7% YoY
-75.7% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.4% 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.