BlastPoint's Banking Scorecard

First National Bank of Burleson

$100M-$1B Specialty: Commercial TX FDIC cert 23430

Burleson, TX

2 branches across TX

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

First National Bank of Burleson has 5 strengths but faces 2 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

+ Credit Quality Leader: Top 40.2% in tier
+ Return on Assets 1.16% above tier average
+ Efficiency Ratio 22.53% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.6% in tier
- Cost Spiral: Bottom 4.0% in tier

Get updates when First National Bank of Burleson releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$248.8M -7.0% YoY -7.5% QoQ	-$137.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$102.6M -0.0% YoY +1.7% QoQ	-$153.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$216.6M -7.8% YoY -9.1% QoQ	-$111.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	2.43% -19.0% YoY -14.6% QoQ	+1.16%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 5.4% in tier
Net Interest Margin ?	4.10% -13.1% YoY -9.2% QoQ	+0.17%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	42.76% +14.8% YoY +12.5% QoQ	-22.53%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 6.5% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	47.37% +8.4% YoY +11.8% QoQ	-29.27%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 7.6% in tier
Non-Interest-Bearing Deposit Share ?	30.47% -20.5% YoY -15.5% QoQ	+8.45%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.15% -0.0% YoY +8.5% QoQ	-3.68%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.06% +3.2% YoY -74.9% QoQ	-0.22%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	24%

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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)

Credit Quality Leader

growth

#268 of 664 • Top 40.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#4 of 506 • Bottom 0.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Cost Spiral

risk

#6 of 126 • Bottom 4.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 42.76%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

145

Return on Assets

profitability

Value: 2.43%

Peer Median: 1.27%

#145 of 2664 Top 5.4% in $100M-$1B

173

Efficiency Ratio

profitability

Value: 42.76%

Peer Median: 65.29%

#173 of 2664 Top 6.5% in $100M-$1B

204

Loan-to-Deposit Ratio

liquidity

Value: 47.37%

Peer Median: 76.64%

#204 of 2664 Top 7.6% in $100M-$1B

453

Non-Interest-Bearing Deposit Share

funding

Value: 30.47%

Peer Median: 22.02%

#453 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (2 metrics)

2123

Total Loans

size

Value: $102.58M

Peer Median: $255.72M

#2123 of 2664 Bottom 20.3% in $100M-$1B

2031

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2031 of 2664 Bottom 23.8% in $100M-$1B