BlastPoint's Banking Scorecard
The Jacksboro National Bank
Jacksboro, TX
2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits -0.3% year over year ($256.0M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.46%.
- Efficiency ratio 67.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.86% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Jacksboro National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.04% above tier average
- + ROA 0.14% above tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 2.95% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.2M
-4.9% YoY
-2.9% QoQ
|
-$103.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$143.0M
-2.4% YoY
-3.0% QoQ
|
-$115.3M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$256.0M
-0.3% YoY
-3.5% QoQ
|
-$70.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.46%
+49.0% YoY
+3.2% QoQ
|
+0.14% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.93%
+10.9% YoY
+2.6% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
67.43%
-6.3% YoY
-0.7% QoQ
|
+2.95% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.01%
-91.0% YoY
-4.8% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 13.9% in tier |
| Loan-to-Deposit Ratio ? |
55.86%
-2.1% YoY
+0.5% QoQ
|
-22.10% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.07%
-0.3% YoY
+5.2% QoQ
|
+14.04% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 8.6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-90.7% YoY
-5.0% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 12.3% in tier |
| Tier 1 Capital Ratio ? |
20.02%
+0.9% YoY
+3.3% QoQ
|
+4.11% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 13.7% in tier |
| Non-Interest Income / Assets ? |
0.45%
+17.1% YoY
+99.8% QoQ
|
-0.11% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 11.1% in tier |
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 |
36.1%
-0.1pp YoY +1.8pp QoQ |
+13.9pp | 22.1% | 29.2% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
10.3%
+0.5pp YoY +1.2pp QoQ |
-1.3pp | 11.6% | 14.8% | 12.5% | 54% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
28.4%
+0.3pp YoY +0.3pp QoQ |
-4.3pp | 32.6% | 25.8% | 31.3% | 48% |
| Consumer |
4.9%
-0.6pp YoY +0.1pp QoQ |
+0.7pp | 4.1% | 4.7% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.0%
+0.2pp YoY +0.6pp QoQ |
+1.2pp | 18.8% | 22.7% | 19.7% | 78% |
| Leverage Ratio |
11.4%
+0.6pp YoY +0.5pp QoQ |
-0.8pp | 12.2% | 12.6% | 12.6% | 56% |
| Total Capital Ratio |
21.3%
+0.2pp YoY +0.6pp QoQ |
+1.3pp | 19.9% | 23.8% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+1 (+2.0%) YoY -1 (-2.0%) QoQ |
-9 | 58 | 186 | 482 | 53% |
| Assets per Employee ($) |
$5.7M
-6.8% YoY -0.9% QoQ |
-$1.9M | $7.5M | $10.1M | $8.8M | 26% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 3% |
| Allowance Coverage |
191.33x
+1043.8% YoY +9.2% QoQ |
+167.18x | 24.15x | 18.82x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.9%
+1.8pp YoY +0.3pp QoQ |
+5.7pp | 12.2% | 13.2% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY -0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 33% |
| Net Income ($, YTD) |
$2.1M
+44.2% YoY — QoQ |
-$441K | $2.6M | $15.9M | $40.4M | 54% |
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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.