BlastPoint's Banking Scorecard

The First National Bank of East Texas

$100M-$1B Specialty: Commercial TX FDIC cert 3218

Gilmer, TX

12 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 +0.7% year over year ($536.7M on the books).
Delinquency rate 1.60%.
Return on assets 1.45%.
Efficiency ratio 63.64% vs a 64.48% peer average.
Loan-to-deposit ratio 76.47% 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 East Texas has 3 strengths but faces 2 concerns

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

+ ROA 0.13% above tier average
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 0.84% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.8% in tier
- Credit Risk Growth: Bottom 38.0% in tier

Get updates when The First National Bank of East Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$594.8M +1.7% YoY -1.2% QoQ	+$208.2M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$410.4M +2.4% YoY -1.5% QoQ	+$152.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$536.7M +0.7% YoY -1.7% QoQ	+$209.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.45% +53.7% YoY +13.9% QoQ	+0.13%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	4.32% +1.3% YoY +6.0% QoQ	+0.34%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	63.64% -10.9% YoY -7.0% QoQ	-0.84%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.60% +61.0% YoY -7.0% QoQ	+0.68%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	76.47% +1.7% YoY +0.2% QoQ	-1.48%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	22.39% +0.9% YoY -1.5% QoQ	+0.36%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	1.19% +74.1% YoY -6.8% QoQ	+0.52%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	9.96% +2.1% YoY +2.4% QoQ	-5.95%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 9.9% in tier
Non-Interest Income / Assets ?	0.31% +38.4% YoY +150.5% QoQ	-0.26%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	74%

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	22.4% +0.2pp YoY -0.3pp QoQ	+0.2pp	22.1%	29.2%	22.2%	56%
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	13.6% -3.9pp YoY -2.9pp QoQ	+2.0pp	11.6%	14.8%	12.5%	70%
CRE	44.8% +1.9pp YoY +1.1pp QoQ	+5.3pp	39.5%	48.4%	41.4%	62%
1-4 Family	30.0% +1.2pp YoY +1.3pp QoQ	-2.7pp	32.6%	25.8%	31.3%	51%
Consumer	4.5% +0.6pp YoY +0.3pp QoQ	+0.4pp	4.1%	4.7%	5.0%	74%

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	10.0% +0.2pp YoY +0.2pp QoQ	-2.2pp	12.2%	12.6%	12.6%	30%
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	135 -1 (-0.7%) YoY +1 (+0.7%) QoQ	+76	58	186	482	96%
Assets per Employee ($)	$4.4M +2.5% YoY -1.9% QoQ	-$3.1M	$7.5M	$10.1M	$8.8M	8%
Branch Count	12 0 YoY 0 QoQ	+7	4	12	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY	-0.3pp	0.3%	0.3%	0.4%	41%
Nonaccrual	1.5% +0.8pp YoY -0.2pp QoQ	+0.6pp	0.9%	1.0%	1.0%	82%
Allowance Coverage	0.86x -23.8% YoY +19.4% QoQ	-23.29x	24.15x	18.82x	20.23x	23%
Net Charge-off Rate (YTD)	-0.0% -0.5pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.1% +4.9pp YoY +1.7pp QoQ	+3.9pp	12.2%	13.2%	11.6%	74%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	69%
Net Income ($, YTD)	$4.4M +62.1% YoY — QoQ	+$1.8M	$2.6M	$15.9M	$40.4M	83%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#119 of 661 • Bottom 17.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.96%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#357 of 936 • Bottom 38.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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).

Compare against:

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

Top Strengths (3 metrics)

450

Total Deposits

size

Value: $536.67M

Peer Median: $326.73M

#450 of 2643 Top 17.0% in $100M-$1B

522

Total Loans

size

Value: $410.40M

Peer Median: $258.35M

#522 of 2643 Top 19.7% in $100M-$1B

528

Total Assets

size

Value: $594.79M

Peer Median: $386.57M

#528 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (3 metrics)

2383

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.91%

#2383 of 2643 Bottom 9.9% in $100M-$1B

2205

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.67%

#2205 of 2643 Bottom 16.6% in $100M-$1B

2177

Delinquency Rate

credit_quality

Value: 1.60%

Peer Median: 0.92%

#2177 of 2633 Bottom 17.4% in $100M-$1B