BlastPoint's Banking Scorecard

The First National Bank of Hughes Springs

$100M-$1B Specialty: Commercial TX FDIC cert 3268

Hughes Springs, TX

17 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The First National Bank of Hughes Springs has 4 strengths but faces 3 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

+ Deposit Franchise: Top 4.8% in tier
+ Revenue Diversifier: Top 27.5% in tier
+ Return on Assets 1.10% above tier average
+ Efficiency Ratio 5.71% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 61.6% in tier
- Nonperforming Asset Ratio 1.27% above tier average
- Delinquency Rate 1.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$321.6M +1.0% YoY +1.6% QoQ	-$64.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$205.9M -10.5% YoY -4.9% QoQ	-$49.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$287.0M +0.9% YoY +1.0% QoQ	-$41.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	2.37% -21.1% YoY -7.2% QoQ	+1.10%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 6.0% in tier
Net Interest Margin ?	6.46% -5.3% YoY -4.6% QoQ	+2.53%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 0.9% in tier
Efficiency Ratio ?	59.57% +0.5% YoY +9.2% QoQ	-5.71%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	2.16% +19.4% YoY +65.2% QoQ	+1.27%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 11.0% in tier
Loan-to-Deposit Ratio ?	71.74% -11.4% YoY -5.8% QoQ	-4.90%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	57.17% +6.9% YoY -0.5% QoQ	+35.15%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 0.8% in tier
Nonperforming Asset Ratio ?	1.91% +45.9% YoY +44.7% QoQ	+1.27%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 7.6% in tier
Tier 1 Capital Ratio ?	16.59% +9.4% YoY +9.6% QoQ	+0.76%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.19% +6.0% YoY -74.6% QoQ	-0.09%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	84%

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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 (2)

Deposit Franchise

growth

#14 of 272 • Top 4.8% 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: 57.17%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.46%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#184 of 666 • Top 27.5% 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: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Margin Compression

decline

#189 of 305 • Bottom 61.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 57.17%

Peer Median: 22.02%

#23 of 2664 Top 0.8% in $100M-$1B

Net Interest Margin

profitability

Value: 6.46%

Peer Median: 3.93%

#24 of 2664 Top 0.9% in $100M-$1B

161

Return on Assets

profitability

Value: 2.37%

Peer Median: 1.27%

#161 of 2664 Top 6.0% in $100M-$1B

414

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#414 of 2664 Top 15.5% in $100M-$1B

658

Tier 1 Capital Ratio

capital

Value: 16.59%

Peer Median: 15.83%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2463

Nonperforming Asset Ratio

credit_quality

Value: 1.91%

Peer Median: 0.64%

#2463 of 2664 Bottom 7.6% in $100M-$1B

2362

Delinquency Rate

credit_quality

Value: 2.16%

Peer Median: 0.89%

#2362 of 2654 Bottom 11.0% in $100M-$1B