BlastPoint's Banking Scorecard
First Bank
Burkburnett, TX
9 branches across TX
First Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15.9% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.81% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.0% in tier
- - Efficiency Ratio 3.53% above tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$689.4M
+4.5% YoY
+1.8% QoQ
|
+$303.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 13.1% in tier |
| Total Loans ? |
$549.2M
-0.6% YoY
-1.2% QoQ
|
+$293.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 8.1% in tier |
| Total Deposits ? |
$591.4M
+8.4% YoY
+2.2% QoQ
|
+$263.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 12.9% in tier |
| Return on Assets ? |
1.74%
+13.5% YoY
+2.8% QoQ
|
+0.47% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
4.74%
-3.1% YoY
-5.5% QoQ
|
+0.81% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 12.2% in tier |
| Efficiency Ratio ? |
68.82%
-7.4% YoY
+1.0% QoQ
|
+3.53% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
1.43%
+17.7% YoY
+39.2% QoQ
|
+0.54% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
92.88%
-8.3% YoY
-3.4% QoQ
|
+16.24% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
28.50%
+3.3% YoY
+5.4% QoQ
|
+6.48% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.27%
+16.7% YoY
+30.0% QoQ
|
+0.63% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.8% in tier |
| Tier 1 Capital Ratio ? |
13.71%
+5.1% YoY
+0.5% QoQ
|
-2.12% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.34%
-27.9% YoY
-82.0% QoQ
|
+0.06% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 5.6% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.