BlastPoint's Banking Scorecard

The First National Bank of Aspermont

$100M-$1B Specialty: Agricultural TX FDIC cert 3079

Aspermont, 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 +4.5% year over year ($128.0M on the books).
Delinquency rate 0.29%.
Return on assets 1.09%.
Efficiency ratio 64.02% vs a 64.48% peer average.
Loan-to-deposit ratio 38.47% 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) →

The First National Bank of Aspermont has 3 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 22.16% above tier average
+ Efficiency Ratio 0.46% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.2% in tier
- Capital Thin: Bottom 41.8% in tier
- Net Interest Margin 1.08% below tier average
- ROA 0.24% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$133.9M +6.5% YoY -1.9% QoQ	-$252.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 9.1% in tier
Total Loans ?	$49.2M +16.8% YoY +4.6% QoQ	-$209.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 2.9% in tier
Total Deposits ?	$128.0M +4.5% YoY -2.0% QoQ	-$198.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 14.9% in tier
Return on Assets ?	1.09% +84.4% YoY +0.1% QoQ	-0.24%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	2.91% +15.6% YoY +3.6% QoQ	-1.08%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 7.8% in tier
Efficiency Ratio ?	64.02% -17.9% YoY -0.6% QoQ	-0.46%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	0.29% +1.9% YoY -10.0% QoQ	-0.63%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	38.47% +11.8% YoY +6.8% QoQ	-39.48%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 3.6% in tier
Non-Interest-Bearing Deposit Share ?	44.19% +5.0% YoY -1.5% QoQ	+22.16%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 3.0% in tier
Nonperforming Asset Ratio ?	0.11% +11.7% YoY -4.1% QoQ	-0.56%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	9.07% -0.8% YoY -43.1% QoQ	-6.84%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 1.4% in tier
Non-Interest Income / Assets ?	0.26% +4.0% YoY +97.6% QoQ	-0.30%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	65%

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	44.2% +2.1pp YoY -0.7pp QoQ	+22.0pp	22.1%	29.2%	22.2%	97%
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	10.6% +3.6pp YoY +2.0pp QoQ	-1.0pp	11.6%	14.8%	12.5%	56%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	35.1% -0.9pp YoY +0.4pp QoQ	+2.5pp	32.6%	25.8%	31.3%	62%
Consumer	5.4% -1.2pp YoY 0.0pp QoQ	+1.3pp	4.1%	4.7%	5.0%	79%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	9.1% -0.1pp YoY +0.2pp QoQ	-3.1pp	12.2%	12.6%	12.6%	13%
Total Capital Ratio	n/a	n/a	19.9%	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 +1 (+6.7%) QoQ	-43	58	186	482	5%
Assets per Employee ($)	$8.4M -0.2% YoY -8.0% QoQ	+$849K	$7.5M	$10.1M	$8.8M	72%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

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	0.3% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.0%	1.0%	38%
Allowance Coverage	4.20x -6.2% YoY +9.5% QoQ	-19.95x	24.15x	18.82x	20.23x	66%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	27.7% -5.6pp YoY -0.1pp QoQ	+15.5pp	12.2%	13.2%	11.6%	98%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	29%
Net Income ($, YTD)	$738,000 +103.9% YoY — QoQ	-$1.8M	$2.6M	$15.9M	$40.4M	18%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#167 of 1256 • Bottom 13.2% in tier

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

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Capital Thin

risk

#277 of 661 • Bottom 41.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.07%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 44.19%

Peer Median: 22.03%

#80 of 2643 Top 3.0% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 38.47%

Peer Median: 77.95%

#95 of 2643 Top 3.6% in $100M-$1B

Top Weaknesses (5 metrics)

2607

Tier 1 Capital Ratio

capital

Value: 9.07%

Peer Median: 15.91%

#2607 of 2643 Bottom 1.4% in $100M-$1B

2568

Total Loans

size

Value: $49.24M

Peer Median: $258.35M

#2568 of 2643 Bottom 2.9% in $100M-$1B

2437

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.99%

#2437 of 2643 Bottom 7.8% in $100M-$1B

2403

Total Assets

size

Value: $133.88M

Peer Median: $386.57M

#2403 of 2643 Bottom 9.1% in $100M-$1B

2249

Total Deposits

size

Value: $127.99M

Peer Median: $326.73M

#2249 of 2643 Bottom 14.9% in $100M-$1B