BlastPoint's Banking Scorecard
The First National Bank of Eagle Lake
Eagle Lake, TX
3 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 +6.7% year over year ($147.7M on the books).
- Delinquency rate 2.29%.
- Return on assets 1.56%.
- Efficiency ratio 67.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 34.5% in tier
- + ROA 0.23% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.69% above tier average
- - Delinquency Rate 1.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.7M
+3.9% YoY
-1.8% QoQ
|
-$218.9M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$105.6M
+0.8% YoY
+10.0% QoQ
|
-$152.7M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$147.7M
+6.7% YoY
-2.4% QoQ
|
-$179.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.56%
+4.0% YoY
+14.8% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.96%
+6.9% YoY
+6.9% QoQ
|
+0.97% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 8.7% in tier |
| Efficiency Ratio ? |
67.17%
-1.2% YoY
-3.0% QoQ
|
+2.69% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
2.29%
-22.0% YoY
-5.5% QoQ
|
+1.37% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.4% in tier |
| Loan-to-Deposit Ratio ? |
71.52%
-5.6% YoY
+12.7% QoQ
|
-6.44% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
36.16%
+6.5% YoY
+6.3% QoQ
|
+14.13% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 8.5% in tier |
| Nonperforming Asset Ratio ? |
1.44%
-24.3% YoY
+5.8% QoQ
|
+0.77% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.7% in tier |
| Tier 1 Capital Ratio ? |
11.38%
+1.6% YoY
+0.2% QoQ
|
-4.53% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.32%
+4.3% YoY
+105.2% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
36.2%
+2.2pp YoY +2.1pp QoQ |
+14.0pp | 22.1% | 29.2% | 22.2% | 91% |
| 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 |
15.4%
+2.1pp YoY +0.6pp QoQ |
+3.8pp | 11.6% | 14.8% | 12.5% | 78% |
| CRE |
33.4%
+1.5pp YoY -0.8pp QoQ |
-6.2pp | 39.5% | 48.4% | 41.4% | 41% |
| 1-4 Family |
15.5%
-0.2pp YoY -2.4pp QoQ |
-17.2pp | 32.6% | 25.8% | 31.3% | 20% |
| Consumer |
0.2%
0.0pp YoY -0.9pp QoQ |
-3.9pp | 4.1% | 4.7% | 5.0% | 10% |
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 |
11.4%
+0.2pp YoY 0.0pp QoQ |
-0.8pp | 12.2% | 12.6% | 12.6% | 56% |
| 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 |
27
0 YoY 0 QoQ |
-32 | 58 | 186 | 482 | 22% |
| Assets per Employee ($) |
$6.2M
+3.9% YoY -1.8% QoQ |
-$1.3M | $7.5M | $10.1M | $8.8M | 37% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.3%
-0.6pp YoY -0.1pp QoQ |
+1.4pp | 0.9% | 1.0% | 1.0% | 90% |
| Allowance Coverage |
0.80x
+35.0% YoY -1.7% QoQ |
-23.35x | 24.15x | 18.82x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
-0.5pp YoY +1.6pp QoQ |
+2.0pp | 12.2% | 13.2% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.0%
-0.4pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 10% |
| Net Income ($, YTD) |
$1.3M
+8.7% YoY — QoQ |
-$1.2M | $2.6M | $15.9M | $40.4M | 36% |
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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.