BlastPoint's Banking Scorecard

First Texas National Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3197

Floydada, TX

2 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 +33.9% year over year ($195.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.89%.
Efficiency ratio 46.29% vs a 64.48% peer average.
Loan-to-deposit ratio 96.34% 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) →

First Texas National Bank shows strong momentum with 5 strengths and 29.2% YoY asset growth

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 2.6% in tier
+ Revenue Diversifier: Top 34.3% in tier
+ Net Interest Margin 1.15% above tier average
+ Delinquency Rate 0.92% below tier average
+ Efficiency Ratio 18.19% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Texas 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 ?	$216.9M +29.2% YoY +9.6% QoQ	-$169.6M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$188.1M +33.9% YoY +10.9% QoQ	-$70.2M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$195.3M +33.9% YoY +10.1% QoQ	-$131.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	2.89% +46.2% YoY +17.0% QoQ	+1.57%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 2.6% in tier
Net Interest Margin ?	5.14% +15.3% YoY +2.9% QoQ	+1.15%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 6.2% in tier
Efficiency Ratio ?	46.29% -11.4% YoY -1.9% QoQ	-18.19%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 10.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.34% -0.0% YoY +0.7% QoQ	+18.39%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 14.5% in tier
Non-Interest-Bearing Deposit Share ?	22.59% -9.9% YoY -9.1% QoQ	+0.56%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	0.33% -44.9% YoY -8.7% QoQ	-0.34%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	9.69% -10.6% YoY -1.9% QoQ	-6.21%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 7.0% in tier
Non-Interest Income / Assets ?	0.34% +31.8% YoY +128.8% QoQ	-0.23%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	78%

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	22.6% -2.5pp YoY -2.3pp QoQ	+0.4pp	22.1%	29.2%	22.2%	57%
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	9.7% -1.0pp YoY +0.2pp QoQ	-1.8pp	11.6%	14.8%	12.5%	51%
CRE	36.6% 0.0pp YoY -3.5pp QoQ	-3.0pp	39.5%	48.4%	41.4%	46%
1-4 Family	1.5% +1.1pp YoY +0.8pp QoQ	-31.1pp	32.6%	25.8%	31.3%	2%
Consumer	1.1% -0.3pp YoY -0.3pp QoQ	-3.0pp	4.1%	4.7%	5.0%	31%

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	9.7% -1.1pp YoY -0.2pp QoQ	-2.5pp	12.2%	12.6%	12.6%	25%
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	29 +6 (+26.1%) YoY +1 (+3.6%) QoQ	-30	58	186	482	25%
Assets per Employee ($)	$7.5M +2.5% YoY +5.8% QoQ	-$37K	$7.5M	$10.1M	$8.8M	60%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

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	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	29.9% +10.7pp YoY +4.5pp QoQ	+17.7pp	12.2%	13.2%	11.6%	98%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	76%
Net Income ($, YTD)	$3.0M +75.4% YoY — QoQ	+$414K	$2.6M	$15.9M	$40.4M	69%

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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

#18 of 661 • Top 2.6% in tier

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

Why this signature

Return on Assets: 2.89%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#228 of 661 • Top 34.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.89%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.89%

Peer Median: 1.32%

#69 of 2643 Top 2.6% in $100M-$1B

165

Net Interest Margin

profitability

Value: 5.14%

Peer Median: 3.99%

#165 of 2643 Top 6.2% in $100M-$1B

283

Efficiency Ratio

profitability

Value: 46.29%

Peer Median: 64.48%

#283 of 2643 Top 10.7% in $100M-$1B

595

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#595 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (2 metrics)

2458

Tier 1 Capital Ratio

capital

Value: 9.69%

Peer Median: 15.91%

#2458 of 2643 Bottom 7.0% in $100M-$1B

2262

Loan-to-Deposit Ratio

liquidity

Value: 96.34%

Peer Median: 77.95%

#2262 of 2643 Bottom 14.5% in $100M-$1B