BlastPoint's Banking Scorecard

The First National Bank of Lipan

under $100M Specialty: Other TX FDIC cert 3303

Designations: ✓ Community bank

Lipan, TX

541 banks in the under $100M peer group nationally 38 in TX

The First National Bank of Lipan demonstrates 6 strengths

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

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 32.53% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.17% above tier average
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 17.78% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$26.7M +1.9% YoY +0.8% QoQ	-$35.4M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 9.4% in tier
Total Loans ?	$8.0M +6.8% YoY +1.4% QoQ	-$26.3M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 8.9% in tier
Total Deposits ?	$23.9M +1.2% YoY +0.5% QoQ	-$27.8M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 13.9% in tier
Return on Assets ?	1.01% +9.7% YoY +36.0% QoQ	+0.17%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	4.44% +7.0% YoY +0.6% QoQ	+0.58%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	70.57% -3.5% YoY -8.2% QoQ	-17.78%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	33.26% +5.5% YoY +0.9% QoQ	-30.96%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 11.3% in tier
Non-Interest-Bearing Deposit Share ?	56.24% +0.2% YoY +3.5% QoQ	+32.53%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	35.16% +6.3% YoY -0.9% QoQ	+8.47%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 12.9% in tier
Non-Interest Income / Assets ?	0.09% -1.9% YoY -76.4% QoQ	-0.58%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	66%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 56.24%

Peer Median: 23.71%

#15 of 541 Top 2.6% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 33.26%

Peer Median: 64.22%

#62 of 541 Top 11.3% in under $100M

Tier 1 Capital Ratio

capital

Value: 35.16%

Peer Median: 26.68%

#71 of 541 Top 12.9% in under $100M

134

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.86%

#134 of 541 Top 24.6% in under $100M

Top Weaknesses (3 metrics)

494

Total Loans

size

Value: $7.96M

Peer Median: $34.25M

#494 of 541 Bottom 8.9% in under $100M

491

Total Assets

size

Value: $26.71M

Peer Median: $62.16M

#491 of 541 Bottom 9.4% in under $100M

467

Total Deposits

size

Value: $23.93M

Peer Median: $51.74M

#467 of 541 Bottom 13.9% in under $100M