BlastPoint's Banking Scorecard
National Bank & Trust
La Grange, 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 +9.7% year over year ($203.5M on the books).
- Delinquency rate 0.17%.
- Return on assets 0.43%.
- Efficiency ratio 82.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
National Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 33.5% in tier
- - Net Interest Margin 1.09% below tier average
- - ROA 0.89% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.0M
+6.2% YoY
-1.5% QoQ
|
-$144.6M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$132.7M
+1.9% YoY
-1.0% QoQ
|
-$125.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$203.5M
+9.7% YoY
-0.2% QoQ
|
-$123.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.43%
+22.3% YoY
+12.4% QoQ
|
-0.89% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.5% in tier |
| Net Interest Margin ? |
2.89%
+1.9% YoY
+6.2% QoQ
|
-1.09% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio ? |
82.71%
-1.1% YoY
-2.4% QoQ
|
+18.23% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate ? |
0.17%
-21.9% YoY
-1.5% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
65.22%
-7.1% YoY
-0.8% QoQ
|
-12.73% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
23.21%
-13.0% YoY
-4.3% QoQ
|
+1.18% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.09%
-25.1% YoY
-1.1% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
10.83%
-3.4% YoY
-0.5% QoQ
|
-5.07% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.18%
-3.1% YoY
+110.9% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
23.2%
-3.5pp YoY -1.1pp QoQ |
+1.1pp | 22.1% | 29.2% | 22.2% | 60% |
| 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 |
2.4%
+0.9pp YoY +0.2pp QoQ |
-9.1pp | 11.6% | 14.8% | 12.5% | 8% |
| CRE |
58.3%
+1.1pp YoY -0.7pp QoQ |
+18.8pp | 39.5% | 48.4% | 41.4% | 82% |
| 1-4 Family |
30.8%
-2.6pp YoY 0.0pp QoQ |
-1.9pp | 32.6% | 25.8% | 31.3% | 53% |
| Consumer |
3.1%
+0.6pp YoY +0.1pp QoQ |
-1.1pp | 4.1% | 4.7% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
10.8%
-0.4pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 12.6% | 12.6% | 47% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+3 (+10.0%) YoY -2 (-5.7%) QoQ |
-26 | 58 | 186 | 482 | 31% |
| Assets per Employee ($) |
$7.3M
-3.4% YoY +4.5% QoQ |
-$186K | $7.5M | $10.1M | $8.8M | 58% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 27% |
| Allowance Coverage |
6.91x
+29.4% YoY +5.9% QoQ |
-17.24x | 24.15x | 18.82x | 20.23x | 77% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
+0.8pp YoY +0.5pp QoQ |
-7.1pp | 12.2% | 13.2% | 11.6% | 14% |
| Cost of Funds (YTD) |
2.3%
+0.1pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.6% | 1.7% | 83% |
| Net Income ($, YTD) |
$521,000
+32.6% YoY — QoQ |
-$2.0M | $2.6M | $15.9M | $40.4M | 11% |
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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 (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.