BlastPoint's Banking Scorecard

The First National Bank of Anson

$100M-$1B Specialty: Other TX FDIC cert 3078

Anson, TX

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

The First National Bank of Anson has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 11.1% in tier
+ Deposit Franchise: Top 14.0% in tier
+ Efficiency Ratio 13.71% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 26.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$112.6M +58.3% YoY +17.5% QoQ	-$273.4M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 3.6% in tier
Total Loans ?	$41.8M -2.5% YoY -6.0% QoQ	-$213.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.5% in tier
Total Deposits ?	$104.6M +63.0% YoY +18.8% QoQ	-$223.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 7.0% in tier
Return on Assets ?	2.54% +28.6% YoY +28.4% QoQ	+1.27%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 4.1% in tier
Net Interest Margin ?	4.97% -20.6% YoY -12.9% QoQ	+1.04%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 7.5% in tier
Efficiency Ratio ?	51.58% -6.2% YoY -18.8% QoQ	-13.71%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.48% +17.4% YoY +44.0% QoQ	-0.41%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	40.00% -40.2% YoY -20.9% QoQ	-36.64%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.5% in tier
Non-Interest-Bearing Deposit Share ?	46.70% -13.7% YoY +12.6% QoQ	+24.68%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.4% in tier
Nonperforming Asset Ratio ?	0.18% -27.8% YoY +15.2% QoQ	-0.46%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	17.93% +7.5% YoY +11.8% QoQ	+2.10%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.12% -30.7% YoY -77.4% QoQ	-0.16%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	63%

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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)

Profitability Leader

growth

#75 of 666 • Top 11.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.54%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#39 of 272 • Top 14.0% 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: 46.70%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.97%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#342 of 1308 • Bottom 26.1% in tier

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

Why this signature

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.70%

Peer Median: 22.02%

#65 of 2664 Top 2.4% in $100M-$1B

111

Return on Assets

profitability

Value: 2.54%

Peer Median: 1.27%

#111 of 2664 Top 4.1% in $100M-$1B

121

Loan-to-Deposit Ratio

liquidity

Value: 40.00%

Peer Median: 76.64%

#121 of 2664 Top 4.5% in $100M-$1B

202

Net Interest Margin

profitability

Value: 4.97%

Peer Median: 3.93%

#202 of 2664 Top 7.5% in $100M-$1B

502

Efficiency Ratio

profitability

Value: 51.58%

Peer Median: 65.29%

#502 of 2664 Top 18.8% in $100M-$1B

513

Tier 1 Capital Ratio

capital

Value: 17.93%

Peer Median: 15.83%

#513 of 2664 Top 19.2% in $100M-$1B

Top Weaknesses (3 metrics)

2624

Total Loans

size

Value: $41.83M

Peer Median: $255.72M

#2624 of 2664 Bottom 1.5% in $100M-$1B

2568

Total Assets

size

Value: $112.63M

Peer Median: $386.08M

#2568 of 2664 Bottom 3.6% in $100M-$1B

2478

Total Deposits

size

Value: $104.57M

Peer Median: $327.97M

#2478 of 2664 Bottom 7.0% in $100M-$1B