BlastPoint's Banking Scorecard

The First National Bank of McGregor

$1B-$10B Specialty: Commercial TX FDIC cert 3330

Designations: ✓ Community bank

Mc Gregor, TX

6 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +8.3% year over year ($949.6M on the books).
Delinquency rate 2.76%.
Return on assets 1.09%.
Efficiency ratio 63.33% vs a 59.73% peer average.
Loan-to-deposit ratio 84.14% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

The First National Bank of McGregor has 1 strength 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

+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.89% above tier average
- Nonperforming Asset Ratio 1.87% above tier average
- ROA 0.30% below tier average
- Efficiency Ratio 3.60% above tier average

Get updates when The First National Bank of McGregor releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +9.6% YoY +2.7% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 7.6% in tier
Total Loans ?	$799.0M +7.2% YoY +1.3% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 14.2% in tier
Total Deposits ?	$949.6M +8.3% YoY +0.3% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 12.0% in tier
Return on Assets ?	1.09% +6.7% YoY +10.4% QoQ	-0.30%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	4.13% +1.1% YoY +1.4% QoQ	+0.26%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	63.33% +2.5% YoY -2.1% QoQ	+3.60%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	2.76% +279.0% YoY +3.4% QoQ	+1.89%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 5.2% in tier
Loan-to-Deposit Ratio ?	84.14% -1.1% YoY +1.0% QoQ	-0.90%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	11.27% +17.4% YoY +12.3% QoQ	-10.00%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 13.7% in tier
Nonperforming Asset Ratio ?	2.54% +101.3% YoY -0.1% QoQ	+1.87%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 4.2% in tier
Tier 1 Capital Ratio ?	12.06% -7.0% YoY +1.1% QoQ	-2.78%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.17% -1.9% YoY +90.6% QoQ	-0.36%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	24%

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	11.3% +1.7pp YoY +1.2pp QoQ	-10.1pp	21.4%	29.2%	22.2%	13%
Brokered Deposits	14.4% -5.4pp YoY -2.5pp QoQ	+4.9pp	9.5%	8.0%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	11.6% -0.9pp YoY -0.3pp QoQ	-2.5pp	14.0%	14.8%	12.5%	52%
CRE	50.6% +0.4pp YoY +0.6pp QoQ	+0.6pp	50.0%	48.4%	41.4%	53%
1-4 Family	32.1% +1.7pp YoY +0.2pp QoQ	+5.7pp	26.4%	25.8%	31.3%	70%
Consumer	2.0% 0.0pp YoY 0.0pp QoQ	-2.7pp	4.7%	4.7%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	12.1% -0.9pp YoY +0.1pp QoQ	-3.5pp	15.6%	22.7%	19.7%	25%
Leverage Ratio	9.5% -0.5pp YoY +0.1pp QoQ	-1.8pp	11.3%	12.6%	12.6%	23%
Total Capital Ratio	13.3% -0.9pp YoY +0.1pp QoQ	-3.4pp	16.7%	23.8%	20.8%	28%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	94 -1 (-1.1%) YoY -2 (-2.1%) QoQ	-220	313	186	482	6%
Assets per Employee ($)	$11.4M +10.8% YoY +4.9% QoQ	+$965K	$10.5M	$10.1M	$8.8M	75%
Branch Count	6 0 YoY 0 QoQ	-14	20	12	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.2pp YoY +0.1pp QoQ	+0.2pp	0.2%	0.3%	0.4%	91%
Nonaccrual	2.4% +1.9pp YoY 0.0pp QoQ	+1.6pp	0.8%	1.0%	1.0%	95%
Allowance Coverage	0.48x -71.3% YoY -10.4% QoQ	-18.23x	18.71x	18.82x	20.23x	6%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY +0.2pp QoQ	0.0pp	0.3%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.9% +1.4pp YoY +1.2pp QoQ	+0.3pp	12.6%	13.2%	11.6%	55%
Cost of Funds (YTD)	3.0% -0.4pp YoY 0.0pp QoQ	+1.1pp	1.9%	1.6%	1.7%	96%
Net Income ($, YTD)	$5.7M +13.5% YoY — QoQ	-$13.5M	$19.2M	$15.9M	$40.4M	16%

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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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

849

Nonperforming Asset Ratio

credit_quality

Value: 2.54%

Peer Median: 0.67%

#849 of 885 Bottom 4.2% in $1B-$10B

837

Delinquency Rate

credit_quality

Value: 2.76%

Peer Median: 0.87%

#837 of 882 Bottom 5.2% in $1B-$10B

819

Total Assets

size

Value: $1.08B

Peer Median: $2.79B

#819 of 885 Bottom 7.6% in $1B-$10B

780

Total Deposits

size

Value: $949.65M

Peer Median: $2.32B

#780 of 885 Bottom 12.0% in $1B-$10B

765

Non-Interest-Bearing Deposit Share

funding

Value: 11.27%

Peer Median: 21.27%

#765 of 885 Bottom 13.7% in $1B-$10B

760

Total Loans

size

Value: $799.00M

Peer Median: $1.96B

#760 of 885 Bottom 14.2% in $1B-$10B

677

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#677 of 885 Bottom 23.6% in $1B-$10B