BlastPoint's Banking Scorecard

First National Bank of Dublin

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

Dublin, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 3.7% in tier
+ Revenue Diversifier: Top 36.9% in tier
+ Return on Assets 1.11% above tier average
+ Efficiency Ratio 4.77% below tier average
+ Delinquency Rate 0.76% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$133.5M -1.8% YoY +0.1% QoQ	-$252.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 9.2% in tier
Total Loans ?	$94.0M +8.6% YoY +1.4% QoQ	-$161.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$116.5M -3.0% YoY -0.3% QoQ	-$211.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 10.9% in tier
Return on Assets ?	2.38% -2.3% YoY +9.2% QoQ	+1.11%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 5.9% in tier
Net Interest Margin ?	5.92% -1.2% YoY -2.8% QoQ	+1.99%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 1.7% in tier
Efficiency Ratio ?	60.52% +2.1% YoY -4.8% QoQ	-4.77%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.13% -29.4% YoY -20.9% QoQ	-0.76%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	80.64% +12.1% YoY +1.7% QoQ	+4.00%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	48.41% +2.7% YoY +1.4% QoQ	+26.39%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 1.9% in tier
Nonperforming Asset Ratio ?	0.09% -21.8% YoY -19.8% QoQ	-0.55%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	16.65% +6.5% YoY -0.2% QoQ	+0.82%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.16% -7.5% YoY -75.5% QoQ	-0.12%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	78%

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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 272 • Top 3.7% 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: 48.41%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.92%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Revenue Diversifier

growth

#247 of 666 • Top 36.9% 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: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.38%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.92%

Peer Median: 3.93%

#45 of 2664 Top 1.7% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.41%

Peer Median: 22.02%

#52 of 2664 Top 1.9% in $100M-$1B

157

Return on Assets

profitability

Value: 2.38%

Peer Median: 1.27%

#157 of 2664 Top 5.9% in $100M-$1B

594

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#594 of 2664 Top 22.3% in $100M-$1B

652

Tier 1 Capital Ratio

capital

Value: 16.65%

Peer Median: 15.83%

#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2419

Total Assets

size

Value: $133.46M

Peer Median: $386.08M

#2419 of 2664 Bottom 9.2% in $100M-$1B

2374

Total Deposits

size

Value: $116.52M

Peer Median: $327.97M

#2374 of 2664 Bottom 10.9% in $100M-$1B

2199

Total Loans

size

Value: $93.96M

Peer Median: $255.72M

#2199 of 2664 Bottom 17.5% in $100M-$1B