BlastPoint's Banking Scorecard

The State National Bank of Big Spring

$100M-$1B Specialty: Other TX FDIC cert 3103

Big Spring, TX

3 branches across TX

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

The State National Bank of Big Spring has 2 strengths but faces 3 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

+ Efficiency Ratio 29.84% below tier average
+ ROA 0.48% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 46.1% in tier
- Net Interest Margin 1.06% below tier average
- Delinquency Rate 0.27% above tier average

Get updates when The State National Bank of Big Spring releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$615.6M +2.9% YoY -1.4% QoQ	+$229.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$90.9M -7.9% YoY -5.8% QoQ	-$164.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$553.3M +1.0% YoY -1.4% QoQ	+$225.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.75% +27.6% YoY +24.2% QoQ	+0.48%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	2.88% +16.5% YoY +9.1% QoQ	-1.06%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 8.0% in tier
Efficiency Ratio ?	35.45% -19.2% YoY -11.3% QoQ	-29.84%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 1.9% in tier
Delinquency Rate ?	1.16% -14.9% QoQ	+0.27%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	16.43% -8.8% YoY -4.5% QoQ	-60.21%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 0.8% in tier
Non-Interest-Bearing Deposit Share ?	33.25% -0.1% YoY -7.7% QoQ	+11.23%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 12.0% in tier
Nonperforming Asset Ratio ?	0.17% -18.7% QoQ	-0.47%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	11.03% +6.5% YoY +4.3% QoQ	-4.80%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.04% -0.8% YoY -75.7% QoQ	-0.24%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 14.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Capital Thin

risk

#308 of 666 • Bottom 46.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 16.43%

Peer Median: 76.64%

#21 of 2664 Top 0.8% in $100M-$1B

Efficiency Ratio

profitability

Value: 35.45%

Peer Median: 65.29%

#51 of 2664 Top 1.9% in $100M-$1B

322

Non-Interest-Bearing Deposit Share

funding

Value: 33.25%

Peer Median: 22.02%

#322 of 2664 Top 12.0% in $100M-$1B

429

Total Deposits

size

Value: $553.26M

Peer Median: $327.97M

#429 of 2664 Top 16.1% in $100M-$1B

491

Total Assets

size

Value: $615.65M

Peer Median: $386.08M

#491 of 2664 Top 18.4% in $100M-$1B

549

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.27%

#549 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (5 metrics)

2453

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.93%

#2453 of 2664 Bottom 8.0% in $100M-$1B

2287

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2287 of 2664 Bottom 14.2% in $100M-$1B

2237

Total Loans

size

Value: $90.89M

Peer Median: $255.72M

#2237 of 2664 Bottom 16.1% in $100M-$1B

2049

Tier 1 Capital Ratio

capital

Value: 11.03%

Peer Median: 15.83%

#2049 of 2664 Bottom 23.1% in $100M-$1B

1992

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.89%

#1992 of 2654 Bottom 25.0% in $100M-$1B