BlastPoint's Banking Scorecard

State National Bank

under $100M Specialty: Agricultural TX FDIC cert 3237

Designations: ✓ Community bank

Groom, TX

541 banks in the under $100M peer group nationally 38 in TX

State National Bank demonstrates 4 strengths

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 0.37% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 0.69% below tier average
+ Delinquency Rate 1.01% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when State National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$60.9M +2.4% YoY -2.3% QoQ	-$1.3M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$44.8M +8.9% YoY -5.4% QoQ	+$10.6M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$53.4M +3.3% YoY -2.7% QoQ	+$1.7M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	1.20% +118.6% YoY +154.0% QoQ	+0.37%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	4.29% -2.7% YoY -0.8% QoQ	+0.43%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	87.65% -20.9% YoY -30.1% QoQ	-0.69%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.36% -13.5% YoY +0.7% QoQ	-1.01%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	83.87% +5.5% YoY -2.7% QoQ	+19.65%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	15.32% -1.2% YoY -7.1% QoQ	-8.40%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.95% -9.8% YoY -0.8% QoQ	+0.17%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	11.35% -30.3% YoY -16.8% QoQ	-15.33%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.08% +61.6% YoY -72.1% QoQ	-0.59%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	60%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

447

Tier 1 Capital Ratio

capital

Value: 11.35%

Peer Median: 26.68%

#447 of 541 Bottom 17.6% in under $100M

426

Loan-to-Deposit Ratio

liquidity

Value: 83.87%

Peer Median: 64.22%

#426 of 541 Bottom 21.4% in under $100M

417

Efficiency Ratio

profitability

Value: 87.65%

Peer Median: 88.34%

#417 of 541 Bottom 23.1% in under $100M

411

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.79%

#411 of 541 Bottom 24.2% in under $100M

407

Non-Interest-Bearing Deposit Share

funding

Value: 15.32%

Peer Median: 23.71%

#407 of 541 Bottom 25.0% in under $100M