BlastPoint's Banking Scorecard
State National Bank
Designations: ✓ Community bank
Groom, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -9.3% year over year ($47.7M on the books).
- Delinquency rate 0.36%.
- Return on assets 0.83%.
- Efficiency ratio 87.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.29% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio 31.72% below tier average
- + Delinquency Rate 1.12% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.1M
-9.0% YoY
-9.4% QoQ
|
-$7.3M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$43.0M
-2.9% YoY
-3.9% QoQ
|
+$8.2M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$47.7M
-9.3% YoY
-10.8% QoQ
|
-$3.9M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
0.83%
+126.9% YoY
-30.8% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.38%
-1.7% YoY
+2.0% QoQ
|
+0.46% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
87.67%
-15.6% YoY
+0.0% QoQ
|
-31.72% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.36%
-2.6% YoY
-0.4% QoQ
|
-1.12% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
90.29%
+7.0% YoY
+7.7% QoQ
|
+16.08% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
17.12%
+21.5% YoY
+11.8% QoQ
|
-6.37% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.02%
+2.2% YoY
+7.3% QoQ
|
+0.19% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.60%
-18.6% YoY
+11.0% QoQ
|
-14.52% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.17%
+20.4% YoY
+111.6% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
17.1%
+3.0pp YoY +1.8pp QoQ |
-7.5pp | 24.6% | 29.2% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.1%
+0.5pp YoY -0.2pp QoQ |
-1.3pp | 13.4% | 14.8% | 12.5% | 59% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
7.8%
-3.6pp YoY +0.4pp QoQ |
-27.2pp | 35.0% | 25.8% | 31.3% | 18% |
| Consumer |
2.5%
-1.9pp YoY -0.3pp QoQ |
-5.1pp | 7.7% | 4.7% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.6%
-0.2pp YoY +1.2pp QoQ |
-5.1pp | 17.7% | 12.6% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-3 (-25.0%) YoY +1 (+12.5%) QoQ |
-3 | 12 | 186 | 482 | 36% |
| Assets per Employee ($) |
$6.1M
+21.3% YoY -19.5% QoQ |
-$62K | $6.2M | $10.1M | $8.8M | 53% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-1.4pp | 1.7% | 1.0% | 1.0% | 34% |
| Allowance Coverage |
5.17x
-7.0% YoY +5.6% QoQ |
-1.24x | 6.41x | 18.82x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.1%
-3.3pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
+29.4pp YoY -3.4pp QoQ |
+0.4pp | 6.4% | 13.2% | 11.6% | 41% |
| Cost of Funds (YTD) |
2.8%
0.0pp YoY -0.1pp QoQ |
+1.3pp | 1.4% | 1.6% | 1.7% | 96% |
| Net Income ($, YTD) |
$247,000
+127.9% YoY — QoQ |
-$71K | $317,817 | $15.9M | $40.4M | 43% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.