BlastPoint's Banking Scorecard

The First National Bank of Aspermont

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

Aspermont, TX

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

The First National Bank of Aspermont has 3 strengths but faces 2 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 22.85% above tier average
+ Efficiency Ratio 0.91% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.12% below tier average
- ROA 0.18% below tier average

Get updates when The First National Bank of Aspermont releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$136.4M +7.4% YoY -0.4% QoQ	-$249.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 10.1% in tier
Total Loans ?	$47.1M +24.1% YoY +7.1% QoQ	-$208.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 2.5% in tier
Total Deposits ?	$130.6M +5.3% YoY -0.3% QoQ	-$197.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	15%
Return on Assets ?	1.09% +135.2% YoY +38.1% QoQ	-0.18%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	2.81% +16.4% YoY +5.9% QoQ	-1.12%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 6.9% in tier
Efficiency Ratio ?	64.38% -21.0% YoY -10.4% QoQ	-0.91%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.33% -2.1% YoY -10.1% QoQ	-0.56%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	36.04% +17.9% YoY +7.4% QoQ	-40.60%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 3.1% in tier
Non-Interest-Bearing Deposit Share ?	44.87% +7.2% YoY -1.5% QoQ	+22.85%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.8% in tier
Nonperforming Asset Ratio ?	0.11% +13.1% YoY -3.4% QoQ	-0.53%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	15.95% +66.0% YoY +82.2% QoQ	+0.12%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.13% +17.1% YoY -71.6% QoQ	-0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	68%

Get Full Access to The First National Bank of Aspermont

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (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 (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 44.87%

Peer Median: 22.02%

#76 of 2664 Top 2.8% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 36.04%

Peer Median: 76.64%

#83 of 2664 Top 3.1% in $100M-$1B

Top Weaknesses (4 metrics)

2598

Total Loans

size

Value: $47.07M

Peer Median: $255.72M

#2598 of 2664 Bottom 2.5% in $100M-$1B

2482

Net Interest Margin

profitability

Value: 2.81%

Peer Median: 3.93%

#2482 of 2664 Bottom 6.9% in $100M-$1B

2396

Total Assets

size

Value: $136.44M

Peer Median: $386.08M

#2396 of 2664 Bottom 10.1% in $100M-$1B

2254

Total Deposits

size

Value: $130.62M

Peer Median: $327.97M

#2254 of 2664 Bottom 15.4% in $100M-$1B