BlastPoint's Banking Scorecard

First National Bank of Dublin

$100M-$1B Specialty: Agricultural TX FDIC cert 26228

Dublin, TX

3 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 +0.4% year over year ($116.9M on the books).
Delinquency rate 0.11%.
Return on assets 2.21%.
Efficiency ratio 63.57% vs a 64.48% peer average.
Loan-to-deposit ratio 81.08% 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) →

First National Bank of Dublin demonstrates 5 strengths

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

+ Deposit Franchise: Top 3.6% in tier
+ Revenue Diversifier: Top 36.8% in tier
+ Return on Assets 0.89% above tier average
+ Efficiency Ratio 0.90% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank of Dublin releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$134.2M +1.3% YoY +0.6% QoQ	-$252.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 9.2% in tier
Total Loans ?	$94.7M +7.0% YoY +0.8% QoQ	-$163.6M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$116.9M +0.4% YoY +0.3% QoQ	-$209.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 10.7% in tier
Return on Assets ?	2.21% -2.9% YoY -7.1% QoQ	+0.89%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 8.6% in tier
Net Interest Margin ?	5.97% -2.9% YoY +0.8% QoQ	+1.98%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 1.6% in tier
Efficiency Ratio ?	63.57% +3.7% YoY +5.1% QoQ	-0.90%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.11% -42.7% YoY -18.7% QoQ	-0.81%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	81.08% +6.6% YoY +0.5% QoQ	+3.13%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	48.49% +4.0% YoY +0.2% QoQ	+26.46%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 1.9% in tier
Nonperforming Asset Ratio ?	0.07% -39.4% YoY -18.5% QoQ	-0.59%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	16.70% -0.8% YoY +0.3% QoQ	+0.79%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.37% +21.1% YoY +129.4% QoQ	-0.19%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	83%

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	48.5% +1.9pp YoY +0.1pp QoQ	+26.3pp	22.1%	29.2%	22.2%	98%
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	15.2% +0.2pp YoY +0.1pp QoQ	+3.6pp	11.6%	14.8%	12.5%	77%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	6.0% -0.9pp YoY -0.7pp QoQ	-26.7pp	32.6%	25.8%	31.3%	6%
Consumer	11.3% -1.4pp YoY +0.2pp QoQ	+7.2pp	4.1%	4.7%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	16.7% -0.1pp YoY +0.1pp QoQ	-2.1pp	18.8%	22.7%	19.7%	62%
Leverage Ratio	12.4% +0.5pp YoY +0.1pp QoQ	+0.2pp	12.2%	12.6%	12.6%	69%
Total Capital Ratio	18.0% -0.1pp YoY +0.1pp QoQ	-2.0pp	19.9%	23.8%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	33 -2 (-5.7%) YoY 0 QoQ	-26	58	186	482	31%
Assets per Employee ($)	$4.1M +7.4% YoY +0.6% QoQ	-$3.5M	$7.5M	$10.1M	$8.8M	5%
Branch Count	3 0 YoY 0 QoQ	-2	4	12	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	19%
Allowance Coverage	18.00x +75.4% YoY +27.9% QoQ	-6.15x	24.15x	18.82x	20.23x	88%
Net Charge-off Rate (YTD)	0.2% -0.2pp YoY -0.2pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	17.8% -1.9pp YoY -1.5pp QoQ	+5.6pp	12.2%	13.2%	11.6%	81%
Cost of Funds (YTD)	0.7% -0.2pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$1.5M -2.8% YoY — QoQ	-$1.1M	$2.6M	$15.9M	$40.4M	41%

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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)

Deposit Franchise

growth

#11 of 278 • Top 3.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 48.49%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.97%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Revenue Diversifier

growth

#244 of 661 • Top 36.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.37%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.21%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

Net Interest Margin

profitability

Value: 5.97%

Peer Median: 3.99%

#43 of 2643 Top 1.6% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.49%

Peer Median: 22.03%

#51 of 2643 Top 1.9% in $100M-$1B

228

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.32%

#228 of 2643 Top 8.6% in $100M-$1B

457

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#457 of 2643 Top 17.3% in $100M-$1B

647

Tier 1 Capital Ratio

capital

Value: 16.70%

Peer Median: 15.91%

#647 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2400

Total Assets

size

Value: $134.24M

Peer Median: $386.57M

#2400 of 2643 Bottom 9.2% in $100M-$1B

2361

Total Deposits

size

Value: $116.86M

Peer Median: $326.73M

#2361 of 2643 Bottom 10.7% in $100M-$1B

2201

Total Loans

size

Value: $94.75M

Peer Median: $258.35M

#2201 of 2643 Bottom 16.8% in $100M-$1B