BlastPoint's Banking Scorecard
State National Bank
Designations: ✓ Community bank
Groom, TX
State National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.42% above tier average
- + Delinquency Rate 1.00% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
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
|
-$1.4M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
46% |
| Total Loans ? |
$44.8M
+8.9% YoY
-5.4% QoQ
|
+$10.5M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
69% |
| Total Deposits ? |
$53.4M
+3.3% YoY
-2.7% QoQ
|
+$1.6M |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
51% |
| Return on Assets ? |
1.20%
+118.6% YoY
+154.0% QoQ
|
+0.35% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
62% |
| Net Interest Margin ? |
4.29%
-2.7% YoY
-0.8% QoQ
|
+0.42% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
87.65%
-20.9% YoY
-30.1% QoQ
|
+0.02% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
23% |
| Delinquency Rate ? |
0.36%
-13.5% YoY
+0.7% QoQ
|
-1.00% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
83.87%
+5.5% YoY
-2.7% QoQ
|
+19.76% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
15.32%
-1.2% YoY
-7.1% QoQ
|
-8.47% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.95%
-9.8% YoY
-0.8% QoQ
|
+0.18% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
11.35%
-30.3% YoY
-16.8% QoQ
|
-15.42% |
26.77%
+2.0% YoY
|
18.06%
+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%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% YoY
|
60% |
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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.