BlastPoint's Banking Scorecard

Titan Bank, N.A.

$100M-$1B Specialty: Other TX FDIC cert 3225

Mineral Wells, 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 +35.8% year over year ($771.5M on the books).
Delinquency rate 0.55%.
Return on assets 10.97%.
Efficiency ratio 11.82% vs a 64.48% peer average.
Loan-to-deposit ratio 53.74% 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) →

Titan Bank, N.A. has 5 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

+ Revenue Diversifier: Top 2.3% in tier
+ Profitability Leader: Top 2.7% in tier
+ Deposit Franchise: Top 4.0% in tier
+ Efficiency Ratio 52.66% below tier average
+ Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.2% in tier
- Liquidity Overhang: Bottom 27.0% in tier

Get updates when Titan Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$896.1M +40.1% YoY +0.6% QoQ	+$509.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Top 3.9% in tier
Total Loans ?	$414.6M +24.0% YoY -3.7% QoQ	+$156.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$771.5M +35.8% YoY -1.6% QoQ	+$444.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 3.4% in tier
Return on Assets ?	10.97% +199.2% YoY -12.5% QoQ	+9.64%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 0.2% in tier
Net Interest Margin ?	5.49% +7.3% YoY +18.1% QoQ	+1.50%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 3.0% in tier
Efficiency Ratio ?	11.82% -64.3% YoY -4.6% QoQ	-52.66%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.1% in tier
Delinquency Rate ?	0.55% +4.8% YoY +27.2% QoQ	-0.37%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	53.74% -8.6% YoY -2.2% QoQ	-24.21%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 11.3% in tier
Non-Interest-Bearing Deposit Share ?	59.59% +19.6% YoY +0.7% QoQ	+37.56%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 0.7% in tier
Nonperforming Asset Ratio ?	0.25% -8.8% YoY +21.8% QoQ	-0.42%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	34.06% +48.3% YoY +17.4% QoQ	+18.15%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.8% in tier
Non-Interest Income / Assets ?	3.94% +67.6% QoQ	+3.38%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 0.8% in tier

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	59.6% +9.8pp YoY +0.4pp QoQ	+37.4pp	22.1%	29.2%	22.2%	99%
Brokered Deposits	0.3% -1.7pp YoY 0.0pp QoQ	-7.6pp	7.9%	8.0%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	1.0% +0.2pp YoY +0.3pp QoQ	-10.6pp	11.6%	14.8%	12.5%	4%
CRE	49.2% +0.5pp YoY +0.5pp QoQ	+9.6pp	39.5%	48.4%	41.4%	69%
1-4 Family	49.4% -0.2pp YoY -0.9pp QoQ	+16.8pp	32.6%	25.8%	31.3%	82%
Consumer	n/a	n/a	4.1%	4.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	34.1% +11.1pp YoY +5.1pp QoQ	+15.2pp	18.8%	22.7%	19.7%	95%
Leverage Ratio	9.2% -0.2pp YoY -2.5pp QoQ	-3.0pp	12.2%	12.6%	12.6%	14%
Total Capital Ratio	35.3% +11.1pp YoY +5.1pp QoQ	+15.4pp	19.9%	23.8%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	39 +3 (+8.3%) YoY 0 QoQ	-20	58	186	482	40%
Assets per Employee ($)	$23.0M +29.3% YoY +0.6% QoQ	+$15.5M	$7.5M	$10.1M	$8.8M	100%
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	0.1% -0.3pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	56%
Nonaccrual	0.4% +0.3pp YoY +0.1pp QoQ	-0.5pp	0.9%	1.0%	1.0%	48%
Allowance Coverage	2.20x 0.0% YoY -22.6% QoQ	-21.95x	24.15x	18.82x	20.23x	50%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	97.5% +61.9pp YoY -21.8pp QoQ	+85.4pp	12.2%	13.2%	11.6%	100%
Cost of Funds (YTD)	1.2% -0.6pp YoY -0.1pp QoQ	-0.6pp	1.7%	1.6%	1.7%	17%
Net Income ($, YTD)	$47.6M +327.4% YoY — QoQ	+$45.1M	$2.6M	$15.9M	$40.4M	100%

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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 (3)

Revenue Diversifier

growth

#16 of 661 • Top 2.3% 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: 3.94%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 10.97%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#19 of 661 • Top 2.7% in tier

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

Why this signature

Return on Assets: 10.97%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#12 of 278 • Top 4.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 59.59%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.49%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#292 of 1256 • Bottom 23.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.55%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#201 of 742 • Bottom 27.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 34.06%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 53.74%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (10 metrics)

Efficiency Ratio

profitability

Value: 11.82%

Peer Median: 64.48%

#4 of 2643 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 10.97%

Peer Median: 1.32%

#7 of 2643 Top 0.2% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 59.59%

Peer Median: 22.03%

#19 of 2643 Top 0.7% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 3.94%

Peer Median: 0.57%

#23 of 2643 Top 0.8% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 34.06%

Peer Median: 15.91%

#75 of 2643 Top 2.8% in $100M-$1B

Net Interest Margin

profitability

Value: 5.49%

Peer Median: 3.99%

#80 of 2643 Top 3.0% in $100M-$1B

Total Deposits

size

Value: $771.50M

Peer Median: $326.73M

#92 of 2643 Top 3.4% in $100M-$1B

104

Total Assets

size

Value: $896.11M

Peer Median: $386.57M

#104 of 2643 Top 3.9% in $100M-$1B

300

Loan-to-Deposit Ratio

liquidity

Value: 53.74%

Peer Median: 77.95%

#300 of 2643 Top 11.3% in $100M-$1B

511

Total Loans

size

Value: $414.63M

Peer Median: $258.35M

#511 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available