BlastPoint's Banking Scorecard
Titan Bank, N.A.
Mineral Wells, TX
2 branches across TX
Titan Bank, N.A. has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 2.5% in tier
- + Profitability Leader: Top 3.2% in tier
- + Deposit Franchise: Top 31.6% in tier
- + Efficiency Ratio 52.89% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 28.5% in tier
- - Credit Quality Pressure: Bottom 31.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.7M
+26.4% YoY
+8.6% QoQ
|
+$504.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 4.1% in tier |
| Total Loans ? |
$430.7M
+41.8% YoY
-2.9% QoQ
|
+$174.9M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$783.7M
+22.4% YoY
+22.3% QoQ
|
+$455.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 3.2% in tier |
| Return on Assets ? |
12.54%
+286.4% YoY
-42.5% QoQ
|
+11.27% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 0.2% in tier |
| Net Interest Margin ? |
4.65%
-6.8% YoY
-4.4% QoQ
|
+0.72% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 14.3% in tier |
| Efficiency Ratio ? |
12.40%
-65.7% YoY
+66.4% QoQ
|
-52.89% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 0.1% in tier |
| Delinquency Rate ? |
0.43%
+54.5% YoY
+16.2% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
54.95%
+15.8% YoY
-20.6% QoQ
|
-21.68% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
59.17%
+14.9% YoY
+35.1% QoQ
|
+37.15% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 0.6% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+67.1% YoY
-17.0% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
29.00%
+17.8% YoY
+56.1% QoQ
|
+13.17% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 4.3% in tier |
| Non-Interest Income / Assets ? |
2.35%
-85.6% QoQ
|
+2.07% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 0.7% in tier |
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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 (3)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.