BlastPoint's Banking Scorecard
The First National Bank of Bastrop
Designations: ✓ Community bank
Bastrop, TX
7 branches across TX
The First National Bank of Bastrop has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Net Interest Margin 0.05% below tier average
- - Efficiency Ratio 3.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.1% YoY
-0.1% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.0% in tier |
| Total Loans ? |
$664.2M
+18.5% YoY
+2.9% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.0% in tier |
| Total Deposits ? |
$990.8M
+6.1% YoY
-0.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.0% in tier |
| Return on Assets ? |
1.65%
+21.8% YoY
+8.6% QoQ
|
+0.29% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.77%
+5.7% YoY
+1.1% QoQ
|
-0.05% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
64.79%
-0.6% YoY
+4.9% QoQ
|
+3.73% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.29%
+22.0% YoY
-6.7% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
67.04%
+11.7% YoY
+3.8% QoQ
|
-17.17% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 14.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.48%
-9.6% YoY
-8.7% QoQ
|
+8.19% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.17%
+33.7% YoY
-3.9% QoQ
|
-0.50% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
18.06%
-7.1% YoY
-1.3% QoQ
|
+2.90% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 11.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
-11.3% YoY
-82.4% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
53% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.