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The First National Bank of Evant

$100M-$1B Specialty: Other TX FDIC cert 3190

Evant, 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 +10.2% year over year ($180.4M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 2.32%.
  • Efficiency ratio 52.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.14% 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) →

The First National Bank of Evant has 4 strengths but faces 1 concern

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 5.6% in tier
  • + Net Interest Margin 0.62% above tier average
  • + Efficiency Ratio 11.95% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 38.9% in tier
Get updates when The First National Bank of Evant releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $199.4M
+10.9% YoY +3.3% QoQ
-$187.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $131.9M
+9.4% YoY +4.0% QoQ
-$126.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $180.4M
+10.2% YoY +3.9% QoQ
-$146.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 2.32%
+46.2% YoY +0.4% QoQ
+0.99% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 6.9% in tier
Net Interest Margin ? 4.60%
+6.0% YoY +1.7% QoQ
+0.62% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 52.53%
-4.9% YoY -0.7% QoQ
-11.95% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.39%
+195.0% YoY -19.5% QoQ
-0.53% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 73.14%
-0.8% YoY +0.1% QoQ
-4.81% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 28.02%
+0.3% YoY +1.4% QoQ
+5.99% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.26%
+191.0% YoY -19.0% QoQ
-0.41% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 9.83%
+6.3% YoY -4.6% QoQ
-6.08% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 8.4% in tier
Non-Interest Income / Assets ? 0.28%
-6.8% YoY +90.8% QoQ
-0.29% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
68%

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%
+0.1pp YoY
+0.4pp 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 10.3%
-0.9pp YoY
0.0pp QoQ
 -1.3pp 11.6% 14.8% 12.5% 54%
CRE 12.9%
+2.1pp YoY
+0.3pp QoQ
 -26.7pp 39.5% 48.4% 41.4% 8%
1-4 Family 52.1%
+0.7pp YoY
-0.2pp QoQ
 +19.5pp 32.6% 25.8% 31.3% 84%
Consumer 11.0%
-1.7pp YoY
-0.4pp QoQ
 +6.9pp 4.1% 4.7% 5.0% 94%

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 9.8%
+0.6pp YoY
-0.5pp QoQ
 -2.3pp 12.2% 12.6% 12.6% 27%
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 30
0 YoY
-2 (-6.2%) QoQ
 -29 58 186 482 26%
Assets per Employee ($) $6.6M
+10.9% YoY
+10.2% QoQ
 -$871K $7.5M $10.1M $8.8M 46%
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 0.4%
+0.3pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 46%
Allowance Coverage 2.63x
-67.0% YoY
+21.9% QoQ
 -21.53x 24.15x 18.82x 20.23x 55%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 61%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 24.4%
+6.0pp YoY
+0.4pp QoQ
 +12.2pp 12.2% 13.2% 11.6% 96%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 22%
Net Income ($, YTD) $2.2M
+56.9% YoY
— QoQ
 -$315K $2.6M $15.9M $40.4M 57%

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
#38 of 661 • Top 5.6% in tier

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

Why this signature
Return on Assets: 2.32%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#490 of 1256 • Bottom 38.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

183
Return on Assets
profitability
Value: 2.32%
Peer Median: 1.32%
#183 of 2643 Top 6.9% in $100M-$1B
458
Net Interest Margin
profitability
Value: 4.60%
Peer Median: 3.99%
#458 of 2643 Top 17.3% in $100M-$1B
579
Efficiency Ratio
profitability
Value: 52.53%
Peer Median: 64.48%
#579 of 2643 Top 21.9% in $100M-$1B
629
Non-Interest-Bearing Deposit Share
funding
Value: 28.02%
Peer Median: 22.03%
#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2422
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.91%
#2422 of 2643 Bottom 8.4% in $100M-$1B
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