BlastPoint's Banking Scorecard

NewFirst National Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3183

El Campo, TX

9 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 +2.5% year over year ($810.9M on the books).
Delinquency rate 0.21%.
Return on assets 3.27%.
Efficiency ratio 39.52% vs a 64.48% peer average.
Loan-to-deposit ratio 84.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

NewFirst National Bank demonstrates 4 strengths

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

+ Profitability Leader: Top 49.9% in tier
+ Deposit Franchise: Top 59.7% in tier
+ Efficiency Ratio 24.96% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when NewFirst National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$934.9M +2.9% YoY -2.2% QoQ	+$548.4M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 2.5% in tier
Total Loans ?	$685.7M -1.5% YoY +0.3% QoQ	+$427.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Top 3.0% in tier
Total Deposits ?	$810.9M +2.5% YoY -2.7% QoQ	+$484.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 1.6% in tier
Return on Assets ?	3.27% -1.1% YoY +1.2% QoQ	+1.95%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 1.4% in tier
Net Interest Margin ?	5.28% -2.4% YoY +0.3% QoQ	+1.30%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 4.5% in tier
Efficiency Ratio ?	39.52% +4.1% YoY -0.8% QoQ	-24.96%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 3.6% in tier
Delinquency Rate ?	0.21% -37.9% YoY -70.2% QoQ	-0.71%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	84.57% -3.9% YoY +3.1% QoQ	+6.62%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	28.02% +2.0% YoY +6.3% QoQ	+5.99%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.17% -37.2% YoY -67.1% QoQ	-0.50%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	12.47% +3.2% YoY +1.2% QoQ	-3.44%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.21% -3.0% YoY +110.5% QoQ	-0.36%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	52%

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	28.0% +0.5pp YoY +1.7pp QoQ	+5.9pp	22.1%	29.2%	22.2%	76%
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	11.1% +0.3pp YoY +0.5pp QoQ	-0.4pp	11.6%	14.8%	12.5%	59%
CRE	65.1% -1.5pp YoY -0.8pp QoQ	+25.5pp	39.5%	48.4%	41.4%	89%
1-4 Family	6.9% -0.1pp YoY -0.1pp QoQ	-25.8pp	32.6%	25.8%	31.3%	7%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-3.8pp	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	12.5% +0.4pp YoY +0.1pp QoQ	+0.3pp	12.2%	12.6%	12.6%	70%
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	89 +2 (+2.3%) YoY +3 (+3.5%) QoQ	+30	58	186	482	82%
Assets per Employee ($)	$10.5M +0.6% YoY -5.5% QoQ	+$3.0M	$7.5M	$10.1M	$8.8M	88%
Branch Count	9 0 YoY 0 QoQ	+4	4	12	18	86%

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	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.0%	1.0%	30%
Allowance Coverage	6.66x +62.5% YoY +234.3% QoQ	-17.49x	24.15x	18.82x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	27.2% -1.0pp YoY 0.0pp QoQ	+15.0pp	12.2%	13.2%	11.6%	97%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	24%
Net Income ($, YTD)	$15.5M +0.7% YoY — QoQ	+$12.9M	$2.6M	$15.9M	$40.4M	100%

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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 (2)

Profitability Leader

growth

#331 of 661 • Top 49.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.27%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Franchise

growth

#167 of 278 • Top 59.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 28.02%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.28%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 3.27%

Peer Median: 1.32%

#39 of 2643 Top 1.4% in $100M-$1B

Total Deposits

size

Value: $810.85M

Peer Median: $326.73M

#42 of 2643 Top 1.6% in $100M-$1B

Total Assets

size

Value: $934.93M

Peer Median: $386.57M

#66 of 2643 Top 2.5% in $100M-$1B

Total Loans

size

Value: $685.73M

Peer Median: $258.35M

#80 of 2643 Top 3.0% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.52%

Peer Median: 64.48%

#97 of 2643 Top 3.6% in $100M-$1B

121

Net Interest Margin

profitability

Value: 5.28%

Peer Median: 3.99%

#121 of 2643 Top 4.5% in $100M-$1B

630

Non-Interest-Bearing Deposit Share

funding

Value: 28.02%

Peer Median: 22.03%

#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available