BlastPoint's Banking Scorecard
The First National Bank in Cooper
Designations: ✓ Community bank
Cooper, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +5.8% year over year ($49.7M on the books).
- Delinquency rate 1.45%.
- Return on assets 0.90%.
- Efficiency ratio 66.49% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.51% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank in Cooper has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 52.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Net Interest Margin 0.80% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.3M
+5.7% YoY
-1.5% QoQ
|
-$5.1M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
42% |
| Total Loans ? |
$30.1M
-7.2% YoY
-4.5% QoQ
|
-$4.8M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$49.7M
+5.8% YoY
-1.7% QoQ
|
-$1.9M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.90%
+3.5% YoY
-7.5% QoQ
|
-0.10% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.11%
+1.8% YoY
-0.8% QoQ
|
-0.80% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
66.49%
-3.3% YoY
+3.5% QoQ
|
-52.91% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.45%
+5.9% QoQ
|
-0.03% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
60.51%
-12.3% YoY
-2.8% QoQ
|
-13.70% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
31.31%
-1.9% YoY
+2.2% QoQ
|
+7.83% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.76%
+2.7% QoQ
|
-0.07% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
13.12%
-3.2% YoY
-1.0% QoQ
|
-14.00% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.20%
-10.2% YoY
+110.5% QoQ
|
-1.19% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
31.3%
-0.6pp YoY +0.7pp QoQ |
+6.7pp | 24.6% | 29.2% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
2.6%
-0.4pp YoY +0.2pp QoQ |
-10.8pp | 13.4% | 14.8% | 12.5% | 8% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
69.2%
+2.5pp YoY +1.6pp QoQ |
+34.2pp | 35.0% | 25.8% | 31.3% | 86% |
| Consumer |
5.7%
-1.0pp YoY +0.1pp QoQ |
-2.0pp | 7.7% | 4.7% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
13.1%
-0.4pp YoY -0.1pp QoQ |
-4.6pp | 17.7% | 12.6% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
-1 (-11.1%) YoY 0 QoQ |
-4 | 12 | 186 | 482 | 29% |
| Assets per Employee ($) |
$7.2M
+18.9% YoY -1.5% QoQ |
+$975K | $6.2M | $10.1M | $8.8M | 68% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.5%
+1.5pp YoY +0.1pp QoQ |
+0.5pp | 1.0% | 0.3% | 0.4% | 83% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
0.56x
-99.8% YoY -1.1% QoQ |
-5.85x | 6.41x | 18.82x | 20.23x | 24% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+0.2pp YoY -0.5pp QoQ |
+0.6pp | 6.4% | 13.2% | 11.6% | 43% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$256,000
+9.4% YoY — QoQ |
-$62K | $317,817 | $15.9M | $40.4M | 45% |
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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.