BlastPoint's Banking Scorecard
First National Bank of Huntsville
Huntsville, TX
5 branches across TX
First National Bank of Huntsville shows strong momentum with 5 strengths and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.92% above tier average
- + ROA 0.40% above tier average
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 9.88% below tier average
- + Delinquency Rate 0.82% 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 ? |
$586.7M
+6.4% YoY
-0.4% QoQ
|
+$200.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$340.7M
+7.8% YoY
+4.2% QoQ
|
+$85.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$505.1M
+6.3% YoY
-0.9% QoQ
|
+$177.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.67%
+6.3% YoY
-8.7% QoQ
|
+0.40% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.21%
+1.7% YoY
-3.6% QoQ
|
+0.27% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
55.41%
-3.2% YoY
+3.9% QoQ
|
-9.88% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
0.07%
-60.6% YoY
+1.3% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
67.45%
+1.4% YoY
+5.1% QoQ
|
-9.19% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
38.94%
+2.8% YoY
+6.1% QoQ
|
+16.92% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-39.9% YoY
+42.3% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
12.67%
-1.0% YoY
-0.0% QoQ
|
-3.16% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.17%
-6.4% YoY
-80.7% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
80% |
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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.