BlastPoint's Banking Scorecard
Llano National Bank
Llano, TX
5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits -0.9% year over year ($265.9M on the books).
- Delinquency rate 0.46%.
- Return on assets 1.02%.
- Efficiency ratio 70.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.04% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Llano National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 33.7% in tier
- - ROA 0.30% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 5.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$301.1M
-0.2% YoY
-3.3% QoQ
|
-$85.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$170.3M
+4.4% YoY
-1.2% QoQ
|
-$88.0M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$265.9M
-0.9% YoY
-4.0% QoQ
|
-$60.8M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.02%
-3.5% YoY
+6.8% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.82%
+4.6% YoY
+2.5% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
70.13%
+2.4% YoY
+0.8% QoQ
|
+5.65% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.46%
-15.9% YoY
+4.6% QoQ
|
-0.46% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
64.04%
+5.4% YoY
+2.9% QoQ
|
-13.91% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
33.26%
-0.2% YoY
+5.2% QoQ
|
+11.23% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 11.9% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-12.0% YoY
+6.8% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.11%
+5.3% YoY
+5.9% QoQ
|
-2.80% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.21%
+3.6% YoY
+124.6% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
33.3%
-0.1pp YoY +1.6pp QoQ |
+11.1pp | 22.1% | 29.2% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
3.5%
+0.4pp YoY +0.1pp QoQ |
-8.1pp | 11.6% | 14.8% | 12.5% | 12% |
| CRE |
40.6%
+0.8pp QoQ |
+1.0pp | 39.5% | 48.4% | 41.4% | 54% |
| 1-4 Family |
39.6%
+1.0pp YoY 0.0pp QoQ |
+6.9pp | 32.6% | 25.8% | 31.3% | 69% |
| Consumer |
2.4%
-0.4pp YoY +0.2pp QoQ |
-1.7pp | 4.1% | 4.7% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
13.1%
+0.7pp YoY +0.7pp QoQ |
+0.9pp | 12.2% | 12.6% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
-3 (-6.2%) YoY -2 (-4.3%) QoQ |
-14 | 58 | 186 | 482 | 47% |
| Assets per Employee ($) |
$6.7M
+6.4% YoY +1.0% QoQ |
-$827K | $7.5M | $10.1M | $8.8M | 46% |
| Branch Count |
5
+1 (+25.0%) YoY 0 QoQ |
0 | 4 | 12 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 6% |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
4.29x
-0.6% YoY -2.7% QoQ |
-19.86x | 24.15x | 18.82x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
-2.4pp YoY +0.4pp QoQ |
-1.9pp | 12.2% | 13.2% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 33% |
| Net Income ($, YTD) |
$1.6M
+1.0% YoY — QoQ |
-$971K | $2.6M | $15.9M | $40.4M | 44% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.