BlastPoint's Banking Scorecard

Texas National Bank of Jacksonville

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

Jacksonville, TX

9 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Texas National Bank of Jacksonville has 2 strengths 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 0.31% above tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 11.8% in tier
- Credit Quality Pressure: Bottom 46.7% in tier
- Return on Assets 3.47% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$854.4M +2.1% YoY +2.3% QoQ	+$468.4M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 5.6% in tier
Total Loans ?	$661.8M -3.8% YoY +0.3% QoQ	+$406.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 3.7% in tier
Total Deposits ?	$771.4M +3.8% YoY +4.7% QoQ	+$443.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 3.6% in tier
Return on Assets ?	-2.21% -328.8% YoY -298.7% QoQ	-3.47%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 0.6% in tier
Net Interest Margin ?	4.24% +14.7% YoY +5.6% QoQ	+0.31%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	128.08% +117.2% YoY +129.7% QoQ	+62.79%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 0.6% in tier
Delinquency Rate ?	0.68% +73.1% YoY -60.3% QoQ	-0.21%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	85.79% -7.3% YoY -4.3% QoQ	+9.15%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	20.26% +4.1% YoY +0.7% QoQ	-1.76%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.72% +99.4% YoY -53.9% QoQ	+0.09%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	14.70% -5.7% YoY -12.4% QoQ	-1.13%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.07% +16.4% YoY -73.2% QoQ	-0.21%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	29%

Get Full Access to Texas National Bank of Jacksonville

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Efficiency Drag

risk

#50 of 414 • Bottom 11.8% in tier

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

Why this signature

Efficiency Ratio: 128.08%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Credit Quality Pressure

risk

#612 of 1308 • Bottom 46.7% in tier

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

Why this signature

Delinquency Rate: 0.68%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Deposits

size

Value: $771.43M

Peer Median: $327.97M

#97 of 2664 Top 3.6% in $100M-$1B

Total Loans

size

Value: $661.82M

Peer Median: $255.72M

#99 of 2664 Top 3.7% in $100M-$1B

151

Total Assets

size

Value: $854.44M

Peer Median: $386.08M

#151 of 2664 Top 5.6% in $100M-$1B

Top Weaknesses (2 metrics)

2649

Efficiency Ratio

profitability

Value: 128.08%

Peer Median: 65.29%

#2649 of 2664 Bottom 0.6% in $100M-$1B

2649

Return on Assets

profitability

Value: -2.21%

Peer Median: 1.27%

#2649 of 2664 Bottom 0.6% in $100M-$1B