BlastPoint's Banking Scorecard
First National Bank Texas
Killeen, TX
358 branches across TX · AZ · NM · AR
First National Bank Texas has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 26.7% in tier
- + Non-Interest-Bearing Deposit Share 37.54% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 35.1% in tier
- - ROA 0.26% below tier average
- - Net Interest Margin 0.08% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+6.4% YoY
+3.8% QoQ
|
+$1.9B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$2.2B
+8.5% YoY
+2.1% QoQ
|
+$263.0M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$4.1B
+5.9% YoY
+4.0% QoQ
|
+$1.8B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 14.4% in tier |
| Return on Assets ? |
1.11%
+1.8% YoY
+3.4% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.74%
+3.6% YoY
-2.3% QoQ
|
-0.08% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
85.06%
-1.3% YoY
-0.2% QoQ
|
+24.00% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate ? |
1.17%
-14.0% YoY
-16.0% QoQ
|
+0.28% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
53.77%
+2.4% YoY
-1.8% QoQ
|
-30.43% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 5.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
58.83%
-3.7% YoY
-1.1% QoQ
|
+37.54% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.58%
-9.5% YoY
-15.8% QoQ
|
-0.10% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
19.34%
-5.1% YoY
+1.2% QoQ
|
+4.18% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 8.7% in tier |
| Non-Interest Income / Assets ? |
1.77%
-2.1% YoY
-75.9% QoQ
|
+1.51% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.4% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.