BlastPoint's Banking Scorecard

Texas Heritage National Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3161

Daingerfield, TX

6 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Texas Heritage National Bank has 1 strength but faces 6 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

+ Efficiency Ratio 0.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.5% in tier
- Margin Compression: Bottom 32.5% in tier
- Cost Spiral: Bottom 81.8% in tier
- Non-Interest-Bearing Deposit Share 18.93% below tier average
- Net Interest Margin 0.33% below tier average
- Delinquency Rate 0.52% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$943.8M +4.2% YoY -1.5% QoQ	+$557.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 2.0% in tier
Total Loans ?	$787.3M -0.5% YoY -2.8% QoQ	+$531.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 0.5% in tier
Total Deposits ?	$797.3M +1.0% YoY -0.5% QoQ	+$469.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 2.5% in tier
Return on Assets ?	1.27% -18.4% YoY -10.6% QoQ	+0.00%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.60% -3.0% YoY -3.5% QoQ	-0.33%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	65.15% +19.0% YoY +16.1% QoQ	-0.14%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	1.41% +0.4% QoQ	+0.52%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	98.75% -1.5% YoY -2.3% QoQ	+22.11%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 10.0% in tier
Non-Interest-Bearing Deposit Share ?	3.09% -11.6% YoY +6.5% QoQ	-18.93%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 2.1% in tier
Nonperforming Asset Ratio ?	1.28% +3.6% QoQ	+0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 14.5% in tier
Tier 1 Capital Ratio ?	11.09% +7.7% YoY +5.1% QoQ	-4.74%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.15% +11.9% YoY -78.0% QoQ	-0.13%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Liquidity Strain

risk

#152 of 643 • Bottom 23.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#100 of 305 • Bottom 32.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.27%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#104 of 126 • Bottom 81.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 65.15%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $787.34M

Peer Median: $255.72M

#13 of 2664 Top 0.5% in $100M-$1B

Total Assets

size

Value: $943.83M

Peer Median: $386.08M

#53 of 2664 Top 2.0% in $100M-$1B

Total Deposits

size

Value: $797.31M

Peer Median: $327.97M

#67 of 2664 Top 2.5% in $100M-$1B

Top Weaknesses (5 metrics)

2609

Non-Interest-Bearing Deposit Share

funding

Value: 3.09%

Peer Median: 22.02%

#2609 of 2664 Bottom 2.1% in $100M-$1B

2398

Loan-to-Deposit Ratio

liquidity

Value: 98.75%

Peer Median: 76.64%

#2398 of 2664 Bottom 10.0% in $100M-$1B

2280

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.64%

#2280 of 2664 Bottom 14.5% in $100M-$1B

2125

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.89%

#2125 of 2654 Bottom 20.0% in $100M-$1B

2026

Tier 1 Capital Ratio

capital

Value: 11.09%

Peer Median: 15.83%

#2026 of 2664 Bottom 24.0% in $100M-$1B