BlastPoint's Banking Scorecard

NewFirst National Bank

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

El Campo, TX

9 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in 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 25.7% in tier
+ Net Interest Margin 1.34% above tier average
+ Efficiency Ratio 25.43% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$956.0M +0.6% YoY +1.2% QoQ	+$569.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 1.4% in tier
Total Loans ?	$683.7M -3.5% YoY +0.3% QoQ	+$428.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 3.0% in tier
Total Deposits ?	$833.2M +0.1% YoY +1.1% QoQ	+$505.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 1.2% in tier
Return on Assets ?	3.23% +8.4% YoY -6.3% QoQ	+1.96%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 1.5% in tier
Net Interest Margin ?	5.27% -0.6% YoY -2.9% QoQ	+1.34%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 4.5% in tier
Efficiency Ratio ?	39.85% -1.2% YoY +4.6% QoQ	-25.43%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 4.0% in tier
Delinquency Rate ?	0.71% +99.6% YoY -30.0% QoQ	-0.18%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	82.06% -3.6% YoY -0.8% QoQ	+5.42%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	26.35% -7.0% YoY -5.7% QoQ	+4.33%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.51% +87.7% YoY -30.4% QoQ	-0.13%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	12.32% +2.0% YoY +2.2% QoQ	-3.51%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.10% -1.0% YoY -77.2% QoQ	-0.18%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	50%

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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 (1)

Profitability Leader

growth

#172 of 666 • Top 25.7% in tier

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

Why this signature

Return on Assets: 3.23%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $833.25M

Peer Median: $327.97M

#34 of 2664 Top 1.2% in $100M-$1B

Total Assets

size

Value: $955.99M

Peer Median: $386.08M

#39 of 2664 Top 1.4% in $100M-$1B

Return on Assets

profitability

Value: 3.23%

Peer Median: 1.27%

#40 of 2664 Top 1.5% in $100M-$1B

Total Loans

size

Value: $683.73M

Peer Median: $255.72M

#81 of 2664 Top 3.0% in $100M-$1B

107

Efficiency Ratio

profitability

Value: 39.85%

Peer Median: 65.29%

#107 of 2664 Top 4.0% in $100M-$1B

120

Net Interest Margin

profitability

Value: 5.27%

Peer Median: 3.93%

#120 of 2664 Top 4.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available