BlastPoint's Banking Scorecard
Classic Bank, National Association
Cameron, TX
7 branches across TX
Classic Bank, National Association has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7.1% in tier
- + Revenue Diversifier: Top 28.7% in tier
- + ROA 0.52% above tier average
- + Efficiency Ratio 5.56% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Capital Constraint: Bottom 16.7% in tier
- - Deposit Outflow: Bottom 33.6% in tier
- - Liquidity Overhang: Bottom 45.6% in tier
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$666.5M
-9.4% YoY
+2.8% QoQ
|
+$280.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 14.3% in tier |
| Total Loans ? |
$505.3M
-11.4% YoY
-2.6% QoQ
|
+$249.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 10.5% in tier |
| Total Deposits ? |
$586.6M
-10.4% YoY
+3.3% QoQ
|
+$258.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 13.3% in tier |
| Return on Assets ? |
1.79%
+1.3% YoY
-7.1% QoQ
|
+0.52% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
3.73%
+15.3% YoY
+5.7% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
59.72%
+7.0% YoY
+7.5% QoQ
|
-5.56% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.06%
+70.9% YoY
+0.4% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
86.14%
-1.0% YoY
-5.7% QoQ
|
+9.50% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.81%
+4.3% YoY
-0.4% QoQ
|
+0.79% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.05%
+67.1% YoY
-4.9% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
16.14%
+23.2% YoY
+4.0% QoQ
|
+0.31% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.26%
+5.6% YoY
-76.3% QoQ
|
-0.02% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 8.6% in tier |
Get Full Access to Classic Bank, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.