BlastPoint's Banking Scorecard

Texana Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 3302

Linden, TX

7 branches across TX · 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +14.0% year over year ($291.1M on the books).
Delinquency rate 1.38%.
Return on assets 1.30%.
Efficiency ratio 92.37% vs a 64.48% peer average.
Loan-to-deposit ratio 103.09% 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) →

Texana Bank, National Association has 2 strengths but faces 4 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 11.3% in tier
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 40.9% in tier
- Efficiency Ratio 27.89% above tier average
- Loan-to-Deposit Ratio 25.14% above tier average
- Delinquency Rate 0.46% above tier average

Get updates when Texana Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$330.6M +6.4% YoY -6.3% QoQ	-$56.0M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$300.0M +6.5% YoY -7.4% QoQ	+$41.7M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$291.1M +14.0% YoY +4.0% QoQ	-$35.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	1.30% +9.4% YoY +9.9% QoQ	-0.02%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	4.08% +5.7% YoY +4.2% QoQ	+0.10%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	92.37% +0.7% YoY -0.9% QoQ	+27.89%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 4.4% in tier
Delinquency Rate ?	1.38% -10.0% QoQ	+0.46%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	103.09% -6.5% YoY -10.9% QoQ	+25.14%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 7.0% in tier
Non-Interest-Bearing Deposit Share ?	25.70% -4.1% YoY +4.1% QoQ	+3.67%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	1.25% +826.3% YoY -12.8% QoQ	+0.58%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	9.06% -17.6% YoY -12.3% QoQ	-6.85%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 1.4% in tier
Non-Interest Income / Assets ?	10.81% +25.8% YoY +98.3% QoQ	+10.25%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 0.5% 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	25.7% -1.1pp YoY +1.0pp QoQ	+3.5pp	22.1%	29.2%	22.2%	68%
Brokered Deposits	5.2% -0.7pp YoY -0.2pp QoQ	-2.7pp	7.9%	8.0%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	15.3% +2.4pp YoY +0.5pp QoQ	+3.8pp	11.6%	14.8%	12.5%	77%
CRE	29.7% -4.1pp YoY +0.8pp QoQ	-9.8pp	39.5%	48.4%	41.4%	34%
1-4 Family	44.2% +1.8pp YoY -2.2pp QoQ	+11.5pp	32.6%	25.8%	31.3%	76%
Consumer	0.6% -0.2pp YoY 0.0pp QoQ	-3.5pp	4.1%	4.7%	5.0%	18%

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	9.1% +0.1pp YoY 0.0pp QoQ	-3.1pp	12.2%	12.6%	12.6%	13%
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	309 +2 (+0.7%) YoY -89 (-22.4%) QoQ	+250	58	186	482	100%
Assets per Employee ($)	$1.1M +5.7% YoY +20.7% QoQ	-$6.4M	$7.5M	$10.1M	$8.8M	0%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	12	18	75%

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	1.4% +1.3pp YoY -0.1pp QoQ	+0.4pp	0.9%	1.0%	1.0%	80%
Allowance Coverage	0.89x -91.5% YoY +25.0% QoQ	-23.26x	24.15x	18.82x	20.23x	24%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	15.1% +1.1pp YoY +1.0pp QoQ	+2.9pp	12.2%	13.2%	11.6%	68%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	75%
Net Income ($, YTD)	$2.2M +23.8% YoY — QoQ	-$330K	$2.6M	$15.9M	$40.4M	57%

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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

#76 of 661 • Top 11.3% 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: 10.81%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.30%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk

#271 of 661 • Bottom 40.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.06%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 10.81%

Peer Median: 0.57%

#13 of 2643 Top 0.5% in $100M-$1B

Top Weaknesses (5 metrics)

2608

Tier 1 Capital Ratio

capital

Value: 9.06%

Peer Median: 15.91%

#2608 of 2643 Bottom 1.4% in $100M-$1B

2527

Efficiency Ratio

profitability

Value: 92.37%

Peer Median: 64.48%

#2527 of 2643 Bottom 4.4% in $100M-$1B

2460

Loan-to-Deposit Ratio

liquidity

Value: 103.09%

Peer Median: 77.95%

#2460 of 2643 Bottom 7.0% in $100M-$1B

2231

Nonperforming Asset Ratio

credit_quality

Value: 1.25%

Peer Median: 0.67%

#2231 of 2643 Bottom 15.6% in $100M-$1B

2100

Delinquency Rate

credit_quality

Value: 1.38%

Peer Median: 0.92%

#2100 of 2633 Bottom 20.3% in $100M-$1B