BlastPoint's Banking Scorecard
The First National Bank of Ballinger
Ballinger, TX
3 branches across TX
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 22.0% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.9M
+7.3% YoY
+0.6% QoQ
|
-$110.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$162.8M
+1.4% YoY
+11.0% QoQ
|
-$92.9M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$246.2M
+6.6% YoY
+0.4% QoQ
|
-$81.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.53%
-2.4% YoY
-6.8% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.31%
+8.3% YoY
+3.8% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
66.11%
+6.8% YoY
+6.4% QoQ
|
+0.83% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
0.03%
-26.4% YoY
-28.5% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
66.13%
-4.8% YoY
+10.5% QoQ
|
-10.51% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
32.48%
-5.6% YoY
-0.4% QoQ
|
+10.46% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-30.4% YoY
-21.1% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
16.38%
+1.6% YoY
-6.4% QoQ
|
+0.55% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.13%
-5.2% YoY
-75.5% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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.