BlastPoint's Banking Scorecard
First National Bank of Central Texas
Designations: ✓ Community bank
Waco, TX
6 branches across TX
First National Bank of Central Texas shows strong momentum with 4 strengths and 10.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22.2% in tier
- + Delinquency Rate 0.82% below tier average
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio 17.27% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+10.1% YoY
+5.7% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$1.3B
+9.9% YoY
+2.7% QoQ
|
-$640.8M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$1.5B
+10.8% YoY
+6.3% QoQ
|
-$859.6M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
2.55%
+10.5% YoY
+0.2% QoQ
|
+1.18% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 3.4% in tier |
| Net Interest Margin ? |
4.41%
+7.9% YoY
+0.2% QoQ
|
+0.59% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
43.79%
-3.4% YoY
+2.6% QoQ
|
-17.27% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 10.1% in tier |
| Delinquency Rate ? |
0.07%
-42.1% YoY
-44.8% QoQ
|
-0.82% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 9.2% in tier |
| Loan-to-Deposit Ratio ? |
89.23%
-0.8% YoY
-3.3% QoQ
|
+5.03% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
26.07%
-1.6% YoY
+2.4% QoQ
|
+4.78% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.09%
-10.0% YoY
-16.5% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 12.4% in tier |
| Tier 1 Capital Ratio ? |
15.02%
-6.5% YoY
-1.7% QoQ
|
-0.14% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.12%
+7.9% YoY
-71.7% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
42% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.