BlastPoint

BlastPoint's Banking Scorecard

The City National Bank of Colorado City

$100M-$1B Specialty: Commercial TX FDIC cert 3144

Colorado City, TX

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +58.8% year over year ($396.0M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.24%.
  • Efficiency ratio 58.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The City National Bank of Colorado City has 3 strengths but faces 2 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

  • + Net Interest Margin 0.18% above tier average
  • + Efficiency Ratio 6.25% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.5% in tier
  • - ROA 0.08% below tier average
Get updates when The City National Bank of Colorado City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $452.4M
+54.9% YoY +1.8% QoQ
+$65.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $291.0M
+40.7% YoY -0.3% QoQ
+$32.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $396.0M
+58.8% YoY +1.8% QoQ
+$69.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 1.24%
+33.8% YoY +4.2% QoQ
-0.08% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 4.17%
+12.7% YoY -1.3% QoQ
+0.18% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 58.23%
-12.6% YoY -5.6% QoQ
-6.25% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.26%
+28.6% YoY -7.2% QoQ
-0.65% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 73.48%
-11.4% YoY -2.1% QoQ
-4.47% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 12.47%
+50.7% YoY -19.2% QoQ
-9.56% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.20%
+23.8% YoY -8.0% QoQ
-0.47% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 10.97%
+2.3% YoY +2.2% QoQ
-4.94% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.22%
+32.0% YoY +82.7% QoQ
-0.34% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
57%

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 12.5%
+4.2pp YoY
-3.0pp QoQ
 -9.7pp 22.1% 29.2% 22.2% 15%
Brokered Deposits n/a n/a 7.9% 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 12.3%
+4.6pp YoY
-1.1pp QoQ
 +0.7pp 11.6% 14.8% 12.5% 65%
CRE 31.9%
0.0pp YoY
+0.8pp QoQ
 -7.6pp 39.5% 48.4% 41.4% 38%
1-4 Family 48.2%
-8.6pp YoY
+0.5pp QoQ
 +15.6pp 32.6% 25.8% 31.3% 80%
Consumer 3.1%
+0.7pp YoY
0.0pp QoQ
 -1.0pp 4.1% 4.7% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 11.0%
+0.2pp YoY
+0.2pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 58
+19 (+48.7%) YoY
+8 (+16.0%) QoQ
 -1 58 186 482 61%
Assets per Employee ($) $7.8M
+4.1% YoY
-12.2% QoQ
 +$282K $7.5M $10.1M $8.8M 65%
Branch Count 4
+2 (+100.0%) YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 58%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 21%
Allowance Coverage 6.17x
-20.6% YoY
+11.3% QoQ
 -17.98x 24.15x 18.82x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 10.1%
+1.4pp YoY
+0.4pp QoQ
 -2.1pp 12.2% 13.2% 11.6% 38%
Cost of Funds (YTD) 2.3%
-0.8pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 85%
Net Income ($, YTD) $2.8M
+102.5% YoY
— QoQ
 +$227K $2.6M $15.9M $40.4M 67%

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)

Credit Quality Pressure

risk
#221 of 1256 • Bottom 17.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2227
Non-Interest-Bearing Deposit Share
funding
Value: 12.47%
Peer Median: 22.03%
#2227 of 2643 Bottom 15.8% in $100M-$1B
2040
Tier 1 Capital Ratio
capital
Value: 10.97%
Peer Median: 15.91%
#2040 of 2643 Bottom 22.9% in $100M-$1B
Powered by BlastPoint © 2026