BlastPoint's Banking Scorecard
First Texas National Bank
Floydada, TX
2 branches across TX
First Texas National Bank shows strong momentum with 5 strengths and 20.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9.3% in tier
- + Net Interest Margin 1.07% above tier average
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 18.12% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.0M
+20.2% YoY
-1.8% QoQ
|
-$188.0M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$169.7M
+27.0% YoY
+7.4% QoQ
|
-$86.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$177.4M
+21.4% YoY
-2.2% QoQ
|
-$150.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
2.47%
+34.2% YoY
+15.2% QoQ
|
+1.20% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 5.0% in tier |
| Net Interest Margin ? |
5.00%
+15.4% YoY
+7.2% QoQ
|
+1.07% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 7.3% in tier |
| Efficiency Ratio ? |
47.17%
-11.8% YoY
-11.5% QoQ
|
-18.12% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 11.6% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
95.66%
+4.7% YoY
+9.8% QoQ
|
+19.02% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.86%
+7.6% YoY
-7.5% QoQ
|
+2.84% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.88%
-4.9% YoY
+7.1% QoQ
|
-5.95% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
+25.0% YoY
-65.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
72% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.