BlastPoint's Banking Scorecard
The First National Bank of Ballinger
Ballinger, TX
3 branches across 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 +4.8% year over year ($244.9M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.54%.
- Efficiency ratio 66.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Ballinger has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19.6% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.3M
+5.6% YoY
-0.2% QoQ
|
-$111.3M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$150.8M
-4.2% YoY
-7.4% QoQ
|
-$107.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$244.9M
+4.8% YoY
-0.5% QoQ
|
-$81.8M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.54%
-4.5% YoY
+0.6% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.29%
+3.3% YoY
-0.5% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
66.55%
+6.7% YoY
+0.7% QoQ
|
+2.07% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.03%
-22.5% YoY
+5.8% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
61.55%
-8.5% YoY
-6.9% QoQ
|
-16.40% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
33.18%
-7.1% YoY
+2.2% QoQ
|
+11.15% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.2% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-29.7% YoY
-1.8% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
17.55%
+7.2% YoY
+7.2% QoQ
|
+1.65% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.28%
+1.1% YoY
+119.6% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
33.2%
-2.5pp YoY +0.7pp QoQ |
+11.0pp | 22.1% | 29.2% | 22.2% | 88% |
| 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 |
15.2%
+1.7pp YoY -1.6pp QoQ |
+3.6pp | 11.6% | 14.8% | 12.5% | 76% |
| CRE |
57.0%
-3.0pp YoY -1.7pp QoQ |
+17.5pp | 39.5% | 48.4% | 41.4% | 81% |
| 1-4 Family |
17.9%
+2.3pp YoY +1.9pp QoQ |
-14.7pp | 32.6% | 25.8% | 31.3% | 26% |
| Consumer |
1.1%
-0.1pp YoY +0.1pp QoQ |
-3.0pp | 4.1% | 4.7% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.6%
+1.2pp YoY +1.2pp QoQ |
-1.3pp | 18.8% | 22.7% | 19.7% | 67% |
| Leverage Ratio |
10.5%
-0.2pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 12.6% | 12.6% | 42% |
| Total Capital Ratio |
18.8%
+1.2pp YoY +1.2pp QoQ |
-1.1pp | 19.9% | 23.8% | 20.8% | 67% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
-4 (-8.7%) YoY +1 (+2.4%) QoQ |
-17 | 58 | 186 | 482 | 44% |
| Assets per Employee ($) |
$6.6M
+15.6% YoY -2.6% QoQ |
-$964K | $7.5M | $10.1M | $8.8M | 44% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 8% |
| Allowance Coverage |
64.98x
+35.2% YoY +1.7% QoQ |
+40.83x | 24.15x | 18.82x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
-1.7pp YoY 0.0pp QoQ |
+3.1pp | 12.2% | 13.2% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 40% |
| Net Income ($, YTD) |
$2.1M
+0.9% YoY — QoQ |
-$434K | $2.6M | $15.9M | $40.4M | 55% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.