BlastPoint's Banking Scorecard

First Texas Bank

$100M-$1B Specialty: Other TX FDIC cert 3293

Lampasas, 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 +8.4% year over year ($232.4M on the books).
Delinquency rate 0.00%.
Return on assets 1.90%.
Efficiency ratio 42.26% vs a 64.48% peer average.
Loan-to-deposit ratio 39.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

First Texas Bank has 5 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 42.0% in tier
+ Profitability Leader: Top 45.7% in tier
+ Efficiency Ratio 22.22% below tier average
+ Non-Interest-Bearing Deposit Share 16.16% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.28% below tier average

Get updates when First Texas Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$259.7M +8.6% YoY +4.3% QoQ	-$126.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$92.6M +6.4% YoY +7.1% QoQ	-$165.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$232.4M +8.4% YoY +4.7% QoQ	-$94.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	41%
Return on Assets ?	1.90% +18.7% YoY +1.4% QoQ	+0.58%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.71% +9.2% YoY +0.3% QoQ	-0.28%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	42.26% -9.8% YoY -2.5% QoQ	-22.22%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 5.8% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	39.86% -1.9% YoY +2.3% QoQ	-38.09%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 4.1% in tier
Non-Interest-Bearing Deposit Share ?	38.19% +11.0% YoY +0.7% QoQ	+16.16%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 6.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.25% +6.9% YoY -1.7% QoQ	+7.34%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 8.7% in tier
Non-Interest Income / Assets ?	0.20% -8.5% YoY +91.3% QoQ	-0.37%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	49%

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	38.2% +3.8pp YoY +0.3pp QoQ	+16.0pp	22.1%	29.2%	22.2%	94%
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	6.7% +2.4pp YoY +1.3pp QoQ	-4.8pp	11.6%	14.8%	12.5%	31%
CRE	44.9% -4.7pp YoY -4.1pp QoQ	+5.3pp	39.5%	48.4%	41.4%	62%
1-4 Family	37.8% +2.8pp YoY +1.7pp QoQ	+5.2pp	32.6%	25.8%	31.3%	67%
Consumer	2.6% -0.4pp YoY 0.0pp QoQ	-1.5pp	4.1%	4.7%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	23.2% +1.5pp YoY -0.4pp QoQ	+4.4pp	18.8%	22.7%	19.7%	86%
Leverage Ratio	10.1% +0.3pp YoY 0.0pp QoQ	-2.0pp	12.2%	12.6%	12.6%	34%
Total Capital Ratio	23.6% +1.5pp YoY -0.4pp QoQ	+3.7pp	19.9%	23.8%	20.8%	84%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	19 -2 (-9.5%) YoY -2 (-9.5%) QoQ	-40	58	186	482	9%
Assets per Employee ($)	$13.7M +20.0% YoY +15.3% QoQ	+$6.2M	$7.5M	$10.1M	$8.8M	96%
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	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	19.0% +2.4pp YoY +0.5pp QoQ	+6.8pp	12.2%	13.2%	11.6%	85%
Cost of Funds (YTD)	0.9% -0.2pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	8%
Net Income ($, YTD)	$2.4M +27.5% YoY — QoQ	-$188K	$2.6M	$15.9M	$40.4M	59%

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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 (2)

Credit Quality Leader

growth

#278 of 659 • Top 42.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth

#303 of 661 • Top 45.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.90%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

109

Loan-to-Deposit Ratio

liquidity

Value: 39.86%

Peer Median: 77.95%

#109 of 2643 Top 4.1% in $100M-$1B

154

Efficiency Ratio

profitability

Value: 42.26%

Peer Median: 64.48%

#154 of 2643 Top 5.8% in $100M-$1B

160

Non-Interest-Bearing Deposit Share

funding

Value: 38.19%

Peer Median: 22.03%

#160 of 2643 Top 6.0% in $100M-$1B

230

Tier 1 Capital Ratio

capital

Value: 23.25%

Peer Median: 15.91%

#230 of 2643 Top 8.7% in $100M-$1B

425

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.32%

#425 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (1 metrics)

2224

Total Loans

size

Value: $92.64M

Peer Median: $258.35M

#2224 of 2643 Bottom 15.9% in $100M-$1B