BlastPoint's Banking Scorecard
Citizens National Bank of Crosbyton
Designations: ✓ Community bank
Crosbyton, 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 +5.9% year over year ($64.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.16%.
- Efficiency ratio 38.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens National Bank of Crosbyton has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.16% above tier average
- + Efficiency Ratio 81.32% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.6M
+5.9% YoY
-0.3% QoQ
|
+$15.2M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$27.9M
+37.9% YoY
+19.9% QoQ
|
-$7.0M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$64.0M
+5.9% YoY
-0.4% QoQ
|
+$12.4M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
2.16%
-2.6% YoY
-5.7% QoQ
|
+1.16% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 8.6% in tier |
| Net Interest Margin ? |
3.60%
+1.5% YoY
+3.3% QoQ
|
-0.31% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
38.08%
-3.1% YoY
+3.1% QoQ
|
-81.32% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 2.6% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
43.58%
+30.1% YoY
+20.4% QoQ
|
-30.63% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
25.08%
+1.7% YoY
-5.8% QoQ
|
+1.59% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.81%
+0.2% YoY
+0.5% QoQ
|
-10.31% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.12%
-35.9% YoY
+72.2% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
25.1%
+0.4pp YoY -1.5pp QoQ |
+0.4pp | 24.6% | 29.2% | 22.2% | 55% |
| 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 |
14.4%
+0.1pp YoY -2.9pp QoQ |
+1.0pp | 13.4% | 14.8% | 12.5% | 67% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
0.3%
-0.2pp YoY -0.1pp QoQ |
-34.6pp | 35.0% | 25.8% | 31.3% | 2% |
| Consumer |
10.4%
+1.0pp YoY -1.9pp QoQ |
+2.7pp | 7.7% | 4.7% | 5.0% | 79% |
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 |
16.8%
0.0pp YoY +0.1pp QoQ |
-0.9pp | 17.7% | 12.6% | 12.6% | 78% |
| 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 (+14.3%) YoY 0 QoQ |
-4 | 12 | 186 | 482 | 29% |
| Assets per Employee ($) |
$9.7M
-7.4% YoY -0.3% QoQ |
+$3.5M | $6.2M | $10.1M | $8.8M | 93% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
0.0pp YoY -0.8pp QoQ |
+6.5pp | 6.4% | 13.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 66% |
| Net Income ($, YTD) |
$838,000
+6.8% YoY — QoQ |
+$520K | $317,817 | $15.9M | $40.4M | 92% |
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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.