BlastPoint's Banking Scorecard

First National Bank Texas

$1B-$10B Specialty: Other TX FDIC cert 3285

Killeen, TX

358 branches across TX · AZ · NM · AR

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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +7.3% year over year ($4.1B on the books).
Delinquency rate 1.25%.
Return on assets 1.21%.
Efficiency ratio 84.51% vs a 59.73% peer average.
Loan-to-deposit ratio 55.14% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

First National Bank Texas has 2 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

+ Revenue Diversifier: Top 26.6% in tier
+ Non-Interest-Bearing Deposit Share 36.05% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.4% in tier
- Efficiency Drag: Bottom 48.3% in tier
- ROA 0.18% below tier average

Get updates when First National Bank Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$4.6B +7.5% YoY -0.7% QoQ	+$1.9B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$2.3B +6.9% YoY +1.5% QoQ	+$297.4M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$4.1B +7.3% YoY -1.0% QoQ	+$1.8B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Top 14.2% in tier
Return on Assets ?	1.21% +12.1% YoY +9.5% QoQ	-0.18%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.86% +2.2% YoY +3.2% QoQ	-0.01%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	84.51% -0.9% YoY -0.7% QoQ	+24.78%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 3.4% in tier
Delinquency Rate ?	1.25% +2.9% YoY +7.0% QoQ	+0.38%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	55.14% -0.4% YoY +2.5% QoQ	-29.90%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.3% in tier
Non-Interest-Bearing Deposit Share ?	57.32% -5.1% YoY -2.6% QoQ	+36.05%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 1.0% in tier
Nonperforming Asset Ratio ?	0.63% +6.1% YoY +9.9% QoQ	-0.04%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	19.71% -0.3% YoY +1.9% QoQ	+4.87%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 8.1% in tier
Non-Interest Income / Assets ?	3.71% -2.4% YoY +109.8% QoQ	+3.18%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 1.4% in tier

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	57.3% -3.1pp YoY -1.5pp QoQ	+36.0pp	21.4%	29.2%	22.2%	99%
Brokered Deposits	n/a	n/a	9.5%	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	1.5% +0.1pp YoY +0.4pp QoQ	-12.5pp	14.0%	14.8%	12.5%	4%
CRE	49.0% +1.9pp YoY -1.7pp QoQ	-1.0pp	50.0%	48.4%	41.4%	46%
1-4 Family	33.0% +1.2pp YoY +1.4pp QoQ	+6.6pp	26.4%	25.8%	31.3%	71%
Consumer	13.1% -1.5pp YoY 0.0pp QoQ	+8.4pp	4.7%	4.7%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	19.7% -0.1pp YoY +0.4pp QoQ	+4.1pp	15.6%	22.7%	19.7%	90%
Leverage Ratio	9.1% +0.1pp YoY 0.0pp QoQ	-2.2pp	11.3%	12.6%	12.6%	15%
Total Capital Ratio	21.0% -0.1pp YoY +0.4pp QoQ	+4.3pp	16.7%	23.8%	20.8%	91%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	3,176 +28 (+0.9%) YoY +11 (+0.3%) QoQ	+2,862	313	186	482	100%
Assets per Employee ($)	$1.5M +6.5% YoY -1.1% QoQ	-$9.0M	$10.5M	$10.1M	$8.8M	0%
Branch Count	357 +1 (+0.3%) YoY -2 (-0.6%) QoQ	+337	20	12	18	100%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.8% -0.1pp YoY 0.0pp QoQ	+0.6pp	0.2%	0.3%	0.4%	95%
Nonaccrual	0.5% +0.2pp YoY 0.0pp QoQ	-0.3pp	0.8%	1.0%	1.0%	48%
Allowance Coverage	1.03x +0.5% YoY -5.6% QoQ	-17.68x	18.71x	18.82x	20.23x	25%
Net Charge-off Rate (YTD)	0.8% 0.0pp YoY 0.0pp QoQ	+0.6pp	0.3%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	18.7% -0.9pp YoY +1.3pp QoQ	+6.1pp	12.6%	13.2%	11.6%	88%
Cost of Funds (YTD)	0.8% +0.1pp YoY 0.0pp QoQ	-1.1pp	1.9%	1.6%	1.7%	3%
Net Income ($, YTD)	$28.0M +20.7% YoY — QoQ	+$8.7M	$19.2M	$15.9M	$40.4M	80%

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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

#60 of 222 • Top 26.6% 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: 3.71%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.21%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (2)

Credit Risk Growth

risk

#111 of 402 • Bottom 27.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Efficiency Drag

risk

#30 of 60 • Bottom 48.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.51%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 57.32%

Peer Median: 21.27%

#10 of 885 Top 1.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 3.71%

Peer Median: 0.53%

#13 of 885 Top 1.4% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 55.14%

Peer Median: 85.04%

#48 of 885 Top 5.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 19.71%

Peer Median: 14.84%

#73 of 885 Top 8.1% in $1B-$10B

127

Total Deposits

size

Value: $4.10B

Peer Median: $2.32B

#127 of 885 Top 14.2% in $1B-$10B

141

Total Assets

size

Value: $4.64B

Peer Median: $2.79B

#141 of 885 Top 15.8% in $1B-$10B

Top Weaknesses (2 metrics)

856

Efficiency Ratio

profitability

Value: 84.51%

Peer Median: 59.73%

#856 of 885 Bottom 3.4% in $1B-$10B

691

Delinquency Rate

credit_quality

Value: 1.25%

Peer Median: 0.87%

#691 of 882 Bottom 21.8% in $1B-$10B