BlastPoint's Banking Scorecard

Texas First Bank

$1B-$10B Specialty: Commercial TX FDIC cert 23799

Designations: ✓ Community bank

Texas City, TX

28 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Texas First Bank has 4 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 10.0% in tier
+ Profitability Leader: Top 48.4% in tier
+ Non-Interest-Bearing Deposit Share 15.06% above tier average
+ Efficiency Ratio 2.06% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.0% in tier
- Credit Risk Growth: Bottom 46.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.4B +3.1% YoY +0.8% QoQ	-$440.3M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$1.3B +9.4% YoY +3.2% QoQ	-$643.9M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$2.1B +3.4% YoY +1.9% QoQ	-$247.8M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.61% +34.5% YoY +9.0% QoQ	+0.24%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	3.87% +11.9% YoY +4.3% QoQ	+0.05%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	59.00% -10.4% YoY -3.4% QoQ	-2.06%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.17% +145.6% YoY +23.2% QoQ	-0.72%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	63.04% +5.7% YoY +1.3% QoQ	-21.17%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 10.3% in tier
Non-Interest-Bearing Deposit Share ?	36.34% +0.4% YoY +3.5% QoQ	+15.06%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.6% in tier
Nonperforming Asset Ratio ?	0.09% +160.5% YoY +26.2% QoQ	-0.58%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 13.5% in tier
Tier 1 Capital Ratio ?	13.75% -2.0% YoY -11.0% QoQ	-1.41%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.11% -6.5% YoY -79.4% QoQ	-0.15%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	36%

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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 (2)

Credit Quality Leader

growth

#23 of 220 • Top 10.0% in tier

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

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#108 of 221 • Top 48.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.61%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#83 of 513 • Bottom 16.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#196 of 420 • Bottom 46.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 36.34%

Peer Median: 21.29%

#68 of 884 Top 7.6% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 63.04%

Peer Median: 84.20%

#92 of 884 Top 10.3% in $1B-$10B

120

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#120 of 884 Top 13.5% in $1B-$10B

157

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 0.89%

#157 of 880 Top 17.7% in $1B-$10B

210

Return on Assets

profitability

Value: 1.61%

Peer Median: 1.37%

#210 of 884 Top 23.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available