BlastPoint's Banking Scorecard
The First National Bank of East Texas
Gilmer, TX
12 branches across TX
The First National Bank of East Texas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28.8% in tier
- - Efficiency Ratio 3.13% above tier average
- - Delinquency Rate 0.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$602.0M
+4.5% YoY
-2.1% QoQ
|
+$215.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$416.8M
+3.1% YoY
+0.7% QoQ
|
+$161.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$546.0M
+3.9% YoY
-1.9% QoQ
|
+$218.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
1.27%
+93.7% YoY
+13.6% QoQ
|
+0.00% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.08%
-3.6% YoY
-4.7% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
68.41%
-6.8% YoY
+0.4% QoQ
|
+3.13% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
1.72%
+316.7% YoY
+149.8% QoQ
|
+0.83% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
76.33%
-0.7% YoY
+2.7% QoQ
|
-0.31% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
22.73%
+2.2% YoY
+5.5% QoQ
|
+0.71% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.27%
+339.4% YoY
+145.5% QoQ
|
+0.63% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
9.72%
-0.1% YoY
+1.6% QoQ
|
-6.11% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.6% in tier |
| Non-Interest Income / Assets ? |
0.12%
+11.8% YoY
-71.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.