BlastPoint's Banking Scorecard
Texas National Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Mercedes, TX
13 branches across TX
Texas National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 64.3% in tier
- - Efficiency Ratio 3.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+21.0% YoY
-0.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.5% in tier |
| Total Loans ? |
$731.8M
+15.2% YoY
+0.8% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.3% in tier |
| Total Deposits ? |
$1.0B
+21.9% YoY
+2.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.13%
-15.2% YoY
-19.8% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.51%
+2.4% YoY
-1.7% QoQ
|
+0.70% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 11.3% in tier |
| Efficiency Ratio ? |
64.82%
+4.1% YoY
+3.1% QoQ
|
+3.76% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.29%
+115.7% YoY
-2.2% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
71.13%
-5.5% YoY
-1.2% QoQ
|
-13.08% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
28.09%
-9.7% YoY
-0.0% QoQ
|
+6.80% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.25%
-30.7% YoY
-0.5% QoQ
|
-0.43% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.93%
-1.4% YoY
+1.8% QoQ
|
-0.23% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.16%
-3.0% YoY
-73.1% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.