BlastPoint's Banking Scorecard
The First National Bank of Eagle Lake
Eagle Lake, TX
3 branches across TX
The First National Bank of Eagle Lake has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 67.3% in tier
- + ROA 0.09% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.54% above tier average
- - Efficiency Ratio 3.95% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.7M
+8.3% YoY
+0.4% QoQ
|
-$215.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$96.1M
-3.7% YoY
+0.6% QoQ
|
-$159.7M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$151.3M
+11.9% YoY
+0.6% QoQ
|
-$176.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.36%
+2.2% YoY
-16.0% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
4.64%
+5.2% YoY
-2.4% QoQ
|
+0.70% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
69.23%
-1.9% YoY
+4.2% QoQ
|
+3.95% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
2.42%
-22.3% YoY
-22.7% QoQ
|
+1.54% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.9% in tier |
| Loan-to-Deposit Ratio ? |
63.47%
-13.9% YoY
-0.0% QoQ
|
-13.17% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
34.03%
-5.8% YoY
-4.7% QoQ
|
+12.01% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 11.3% in tier |
| Nonperforming Asset Ratio ? |
1.36%
-30.9% YoY
-22.5% QoQ
|
+0.73% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
11.35%
+7.9% YoY
+4.6% QoQ
|
-4.48% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.16%
-4.8% YoY
-75.5% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.