BlastPoint's Banking Scorecard

Texas National Bank of Jacksonville

$100M-$1B Specialty: Commercial TX FDIC cert 26181

Jacksonville, TX

9 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 +1.8% year over year ($765.7M on the books).
Delinquency rate 1.04%.
Return on assets -0.34%.
Efficiency ratio 90.24% vs a 64.48% peer average.
Loan-to-deposit ratio 83.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Texas National Bank of Jacksonville has 1 strength but faces 3 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

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.2% in tier
- Return on Assets 1.66% below tier average
- Delinquency Rate 0.13% above tier average

Get updates when Texas National Bank of Jacksonville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$852.4M +0.5% YoY -0.2% QoQ	+$465.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 5.6% in tier
Total Loans ?	$641.9M -5.4% YoY -3.0% QoQ	+$383.5M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 4.4% in tier
Total Deposits ?	$765.7M +1.8% YoY -0.7% QoQ	+$438.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 3.7% in tier
Return on Assets ?	-0.34% -131.0% YoY +84.7% QoQ	-1.66%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 2.2% in tier
Net Interest Margin ?	4.16% +7.9% YoY -1.7% QoQ	+0.18%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	90.24% +56.4% YoY -29.5% QoQ	+25.76%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 5.7% in tier
Delinquency Rate ?	1.04% +410.5% YoY +53.2% QoQ	+0.13%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	83.83% -7.1% YoY -2.3% QoQ	+5.88%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	19.95% -3.0% YoY -1.5% QoQ	-2.08%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	1.21% +640.3% YoY +67.4% QoQ	+0.54%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	15.31% -5.4% YoY +4.1% QoQ	-0.60%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.12% -0.3% YoY +76.4% QoQ	-0.45%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	24%

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	20.0% -0.6pp YoY -0.3pp QoQ	-2.2pp	22.1%	29.2%	22.2%	45%
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	12.4% -0.5pp YoY -0.2pp QoQ	+0.9pp	11.6%	14.8%	12.5%	66%
CRE	45.9% +3.6pp YoY +1.4pp QoQ	+6.3pp	39.5%	48.4%	41.4%	64%
1-4 Family	37.0% -2.0pp YoY -1.3pp QoQ	+4.3pp	32.6%	25.8%	31.3%	65%
Consumer	4.1% -0.5pp YoY 0.0pp QoQ	0.0pp	4.1%	4.7%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	15.3% -0.9pp YoY +0.6pp QoQ	-3.5pp	18.8%	22.7%	19.7%	52%
Leverage Ratio	10.1% -0.9pp YoY +0.2pp QoQ	-2.1pp	12.2%	12.6%	12.6%	33%
Total Capital Ratio	16.6% -0.9pp YoY +0.6pp QoQ	-3.4pp	19.9%	23.8%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	111 -5 (-4.3%) YoY +1 (+0.9%) QoQ	+52	58	186	482	90%
Assets per Employee ($)	$7.7M +5.1% YoY -1.1% QoQ	+$161K	$7.5M	$10.1M	$8.8M	64%
Branch Count	9 0 YoY 0 QoQ	+4	4	12	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	28%
Nonaccrual	1.0% +0.8pp YoY +0.4pp QoQ	+0.1pp	0.9%	1.0%	1.0%	72%
Allowance Coverage	1.80x -70.0% YoY -33.4% QoQ	-22.35x	24.15x	18.82x	20.23x	44%
Net Charge-off Rate (YTD)	0.5% +0.1pp YoY -0.2pp QoQ	+0.3pp	0.1%	0.1%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	-3.3% -13.8pp YoY +18.1pp QoQ	-15.5pp	12.2%	13.2%	11.6%	2%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.6%	1.7%	88%
Net Income ($, YTD)	$-1430000.0 -131.1% YoY — QoQ	-$4.0M	$2.6M	$15.9M	$40.4M	1%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#16 of 361 • Bottom 4.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 90.24%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Deposits

size

Value: $765.68M

Peer Median: $326.73M

#98 of 2643 Top 3.7% in $100M-$1B

117

Total Loans

size

Value: $641.85M

Peer Median: $258.35M

#117 of 2643 Top 4.4% in $100M-$1B

149

Total Assets

size

Value: $852.41M

Peer Median: $386.57M

#149 of 2643 Top 5.6% in $100M-$1B

Top Weaknesses (4 metrics)

2587

Return on Assets

profitability

Value: -0.34%

Peer Median: 1.32%

#2587 of 2643 Bottom 2.2% in $100M-$1B

2494

Efficiency Ratio

profitability

Value: 90.24%

Peer Median: 64.48%

#2494 of 2643 Bottom 5.7% in $100M-$1B

2216

Nonperforming Asset Ratio

credit_quality

Value: 1.21%

Peer Median: 0.67%

#2216 of 2643 Bottom 16.2% in $100M-$1B

2007

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2007 of 2643 Bottom 24.1% in $100M-$1B