BlastPoint's Banking Scorecard
The First National Bank of Bastrop
Designations: ✓ Community bank
Bastrop, TX
7 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +16.4% year over year ($1.1B on the books).
- Delinquency rate 0.33%.
- Return on assets 1.46%.
- Efficiency ratio 62.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 66.80% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Bastrop has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+14.1% YoY
+7.4% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$713.5M
+18.0% YoY
+7.4% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.1% in tier |
| Total Deposits ? |
$1.1B
+16.4% YoY
+7.8% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.46%
+6.1% YoY
-11.5% QoQ
|
+0.07% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.85%
+5.8% YoY
+2.2% QoQ
|
-0.02% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
62.17%
-3.8% YoY
-4.0% QoQ
|
+2.44% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.33%
-21.9% YoY
+13.7% QoQ
|
-0.54% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
66.80%
+1.3% YoY
-0.4% QoQ
|
-18.24% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.98%
-11.5% YoY
-1.7% QoQ
|
+7.71% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.20%
-19.2% YoY
+13.7% QoQ
|
-0.48% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.61%
-37.3% YoY
-35.7% QoQ
|
-3.23% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.30%
-9.5% YoY
+102.1% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
29.0%
-3.8pp YoY -0.5pp QoQ |
+7.6pp | 21.4% | 29.2% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
5.5%
+0.8pp YoY +0.7pp QoQ |
-8.5pp | 14.0% | 14.8% | 12.5% | 21% |
| CRE |
44.6%
-5.3pp YoY -1.4pp QoQ |
-5.4pp | 50.0% | 48.4% | 41.4% | 35% |
| 1-4 Family |
25.5%
-0.6pp YoY -0.3pp QoQ |
-1.0pp | 26.4% | 25.8% | 31.3% | 56% |
| Consumer |
2.0%
-0.6pp YoY -0.2pp QoQ |
-2.7pp | 4.7% | 4.7% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
11.6%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 11.3% | 12.6% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
157
+1 (+0.6%) YoY +2 (+1.3%) QoQ |
-157 | 313 | 186 | 482 | 25% |
| Assets per Employee ($) |
$7.5M
+13.4% YoY +6.0% QoQ |
-$3.0M | $10.5M | $10.1M | $8.8M | 31% |
| Branch Count |
7
+1 (+16.7%) YoY 0 QoQ |
-13 | 20 | 12 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 63% |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 1.0% | 1.0% | 29% |
| Allowance Coverage |
3.51x
+27.7% YoY -12.1% QoQ |
-15.20x | 18.71x | 18.82x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
-2.1pp YoY -2.1pp QoQ |
+3.5pp | 12.6% | 13.2% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$8.2M
+17.9% YoY — QoQ |
-$11.0M | $19.2M | $15.9M | $40.4M | 30% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.