BlastPoint's Banking Scorecard
First Federal Bank Littlefield, Texas
Designations: ✓ Community bank
Littlefield, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +8.5% year over year ($55.7M on the books).
- Delinquency rate 0.45%.
- Return on assets 0.56%.
- Efficiency ratio 84.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Federal Bank Littlefield, Texas has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 34.66% below tier average
- + Delinquency Rate 1.03% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.9M
+7.4% YoY
-0.4% QoQ
|
+$5.5M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$41.9M
-6.3% YoY
+3.0% QoQ
|
+$7.0M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$55.7M
+8.5% YoY
-0.6% QoQ
|
+$4.1M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.56%
-6.4% YoY
-4.9% QoQ
|
-0.44% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
4.67%
-0.4% YoY
+0.4% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
84.74%
+2.4% YoY
+1.2% QoQ
|
-34.66% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.45%
-52.6% YoY
-31.1% QoQ
|
-1.03% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
75.17%
-13.6% YoY
+3.6% QoQ
|
+0.96% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
26.65%
-6.4% YoY
-2.7% QoQ
|
+3.16% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.28%
-58.6% YoY
-28.8% QoQ
|
-0.56% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
17.40%
-8.3% YoY
+1.0% QoQ
|
-9.72% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.14%
-3.8% YoY
+109.7% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
55% |
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 |
26.6%
-1.8pp YoY -0.8pp QoQ |
+2.0pp | 24.6% | 29.2% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.5%
-3.1pp YoY -3.8pp QoQ |
-7.9pp | 13.4% | 14.8% | 12.5% | 23% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
22.2%
-1.6pp YoY -0.8pp QoQ |
-12.7pp | 35.0% | 25.8% | 31.3% | 40% |
| Consumer |
13.6%
+2.4pp YoY +0.3pp QoQ |
+5.9pp | 7.7% | 4.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
17.4%
-1.6pp YoY +0.2pp QoQ |
-0.3pp | 17.7% | 12.6% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+1 (+6.7%) YoY 0 QoQ |
+4 | 12 | 186 | 482 | 77% |
| Assets per Employee ($) |
$4.2M
+0.6% YoY -0.4% QoQ |
-$1.9M | $6.2M | $10.1M | $8.8M | 25% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.8pp YoY |
-0.8pp | 1.0% | 0.3% | 0.4% | 31% |
| Nonaccrual |
0.3%
-0.3pp QoQ |
-1.4pp | 1.7% | 1.0% | 1.0% | 32% |
| Allowance Coverage |
3.62x
+128.4% YoY +41.4% QoQ |
-2.79x | 6.41x | 18.82x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.2%
0.0pp YoY -0.2pp QoQ |
-3.2pp | 6.4% | 13.2% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.6% | 1.7% | 72% |
| Net Income ($, YTD) |
$189,000
+3.3% YoY — QoQ |
-$129K | $317,817 | $15.9M | $40.4M | 35% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.