BlastPoint's Banking Scorecard

The Jacksboro National Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3275

Jacksboro, TX

2 branches across TX

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

The Jacksboro National Bank has 3 strengths but faces 2 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

+ Revenue Diversifier: Top 48.6% in tier
+ ROA 0.14% above tier average
+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 2.61% 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 ?	$291.5M -2.2% YoY -1.2% QoQ	-$94.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$147.5M -0.3% YoY +1.6% QoQ	-$108.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$265.3M -0.6% YoY -2.0% QoQ	-$62.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	1.41% +95.4% YoY +18.4% QoQ	+0.14%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	3.83% +11.2% YoY +5.9% QoQ	-0.10%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	67.90% -9.1% YoY -0.5% QoQ	+2.61%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.01% -56.5% YoY -39.0% QoQ	-0.88%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 13.7% in tier
Loan-to-Deposit Ratio ?	55.58% +0.3% YoY +3.6% QoQ	-21.06%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 14.2% in tier
Non-Interest-Bearing Deposit Share ?	34.30% +0.4% YoY +2.8% QoQ	+12.28%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 10.8% in tier
Nonperforming Asset Ratio ?	0.00% -55.7% YoY -37.4% QoQ	-0.63%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 12.4% in tier
Tier 1 Capital Ratio ?	19.37% +0.1% YoY +0.1% QoQ	+3.54%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 14.8% in tier
Non-Interest Income / Assets ?	0.23% +28.1% YoY -71.6% QoQ	-0.05%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 10.8% in tier

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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 (1)

Revenue Diversifier

growth

#325 of 666 • Top 48.6% 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: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.41%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

289

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#289 of 2664 Top 10.8% in $100M-$1B

290

Non-Interest-Bearing Deposit Share

funding

Value: 34.30%

Peer Median: 22.02%

#290 of 2664 Top 10.8% in $100M-$1B

331

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#331 of 2664 Top 12.4% in $100M-$1B

365

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#365 of 2654 Top 13.7% in $100M-$1B

378

Loan-to-Deposit Ratio

liquidity

Value: 55.58%

Peer Median: 76.64%

#378 of 2664 Top 14.2% in $100M-$1B

396

Tier 1 Capital Ratio

capital

Value: 19.37%

Peer Median: 15.83%

#396 of 2664 Top 14.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available