BlastPoint's Banking Scorecard
The First National Bank of McGregor
Designations: ✓ Community bank
Mc Gregor, TX
6 branches across TX
The First National Bank of McGregor has 1 strength but faces 4 concerns
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 1.78% above tier average
- - Nonperforming Asset Ratio 1.87% above tier average
- - ROA 0.38% below tier average
- - Efficiency Ratio 3.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.0% YoY
+3.6% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.0% in tier |
| Total Loans ? |
$788.9M
+5.9% YoY
+1.8% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.4% in tier |
| Total Deposits ? |
$947.2M
+5.8% YoY
+3.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.0% in tier |
| Return on Assets ? |
0.99%
-2.8% YoY
-3.7% QoQ
|
-0.38% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
4.07%
+2.6% YoY
-3.3% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
64.70%
+4.0% YoY
+8.6% QoQ
|
+3.64% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
2.67%
+218.9% YoY
+50.3% QoQ
|
+1.78% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.2% in tier |
| Loan-to-Deposit Ratio ? |
83.29%
+0.1% YoY
-1.6% QoQ
|
-0.92% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
10.03%
+13.3% YoY
-5.3% QoQ
|
-11.26% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.4% in tier |
| Nonperforming Asset Ratio ? |
2.55%
+100.0% YoY
+32.8% QoQ
|
+1.87% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.7% in tier |
| Tier 1 Capital Ratio ? |
11.93%
-5.3% YoY
+1.8% QoQ
|
-3.23% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.09%
+6.5% YoY
-72.3% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (0)
Concerns (0)
Metric Rankings
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