BlastPoint's Banking Scorecard
Llano National Bank
Llano, TX
5 branches across TX
Llano National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29.8% in tier
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 4.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$311.3M
+3.8% YoY
-2.5% QoQ
|
-$74.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$172.4M
+2.8% YoY
+6.4% QoQ
|
-$83.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$276.9M
+4.2% YoY
-3.3% QoQ
|
-$51.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.96%
-10.8% YoY
-8.4% QoQ
|
-0.31% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.73%
+2.6% YoY
+0.7% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
69.54%
+0.5% YoY
+1.1% QoQ
|
+4.26% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.44%
-26.9% YoY
-46.0% QoQ
|
-0.45% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
62.24%
-1.4% YoY
+10.0% QoQ
|
-14.39% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
31.62%
+2.3% YoY
+2.4% QoQ
|
+9.60% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-27.7% YoY
-41.0% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.37%
+1.6% YoY
-2.3% QoQ
|
-3.46% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.10%
-8.0% YoY
-75.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
49% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.