BlastPoint's Banking Scorecard
Texas First Bank
Designations: ✓ Community bank
Texas City, TX
28 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 -1.6% year over year ($2.1B on the books).
- Delinquency rate 0.17%.
- Return on assets 1.68%.
- Efficiency ratio 58.47% vs a 59.73% peer average.
- Loan-to-deposit ratio 64.30% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Texas First Bank has 6 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.7% in tier
- + Loan-to-Deposit Ratio 20.74% below tier average
- + Non-Interest-Bearing Deposit Share 14.13% above tier average
- + ROA 0.29% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 1.26% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 12.6% in tier
- - Credit Risk Growth: Bottom 25.4% in tier
- - Deposit Outflow: Bottom 38.9% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-1.4% YoY
-1.3% QoQ
|
-$448.1M |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$1.3B
+6.3% YoY
+0.2% QoQ
|
-$639.1M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$2.1B
-1.6% YoY
-1.7% QoQ
|
-$259.3M |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.68%
+23.3% YoY
+4.3% QoQ
|
+0.29% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.95%
+12.9% YoY
+2.3% QoQ
|
+0.08% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
58.47%
-9.1% YoY
-0.9% QoQ
|
-1.26% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.17%
+69.3% YoY
+1.2% QoQ
|
-0.70% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
64.30%
+8.1% YoY
+2.0% QoQ
|
-20.74% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.41%
-1.4% YoY
-2.6% QoQ
|
+14.13% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 7.8% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+86.6% YoY
+5.1% QoQ
|
-0.58% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 14.6% in tier |
| Tier 1 Capital Ratio ? |
9.96%
-31.4% YoY
-27.6% QoQ
|
-4.88% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.5% in tier |
| Non-Interest Income / Assets ? |
0.23%
+1.1% YoY
+111.4% QoQ
|
-0.30% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
37% |
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 |
35.4%
-0.5pp YoY -0.9pp QoQ |
+14.0pp | 21.4% | 29.2% | 22.2% | 92% |
| 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 |
13.5%
-1.0pp YoY +1.5pp QoQ |
-0.5pp | 14.0% | 14.8% | 12.5% | 62% |
| CRE |
68.4%
+4.2pp YoY -2.2pp QoQ |
+18.4pp | 50.0% | 48.4% | 41.4% | 86% |
| 1-4 Family |
12.2%
-1.7pp YoY +0.1pp QoQ |
-14.2pp | 26.4% | 25.8% | 31.3% | 22% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.7% | 4.7% | 5.0% | 37% |
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 |
10.0%
-0.1pp YoY +0.5pp QoQ |
-1.4pp | 11.3% | 12.6% | 12.6% | 35% |
| 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 |
273
+3 (+1.1%) YoY -4 (-1.4%) QoQ |
-41 | 313 | 186 | 482 | 60% |
| Assets per Employee ($) |
$8.6M
-2.4% YoY +0.2% QoQ |
-$1.9M | $10.5M | $10.1M | $8.8M | 49% |
| Branch Count |
28
+1 (+3.7%) YoY +1 (+3.7%) QoQ |
+8 | 20 | 12 | 18 | 80% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.3% | 0.4% | 42% |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 1.0% | 1.0% | 16% |
| Allowance Coverage |
7.83x
-38.5% YoY +0.9% QoQ |
-10.88x | 18.71x | 18.82x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.2%
+2.4pp YoY +0.7pp QoQ |
+4.6pp | 12.6% | 13.2% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 17% |
| Net Income ($, YTD) |
$19.8M
+25.0% YoY — QoQ |
+$536K | $19.2M | $15.9M | $40.4M | 69% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.