BlastPoint's Banking Scorecard

Texas National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 3337

Designations: ✓ Community bank ✓ Minority Depository Institution

Mcallen, TX

14 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 +25.7% year over year ($1.1B on the books).
Delinquency rate 0.28%.
Return on assets 1.16%.
Efficiency ratio 65.12% vs a 59.73% peer average.
Loan-to-deposit ratio 69.84% 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) →

Texas National Bank has 2 strengths but faces 2 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 0.63% above tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 69.4% in tier
- Efficiency Ratio 5.40% above tier average

Get updates when Texas National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.2B +24.1% YoY +3.7% QoQ	-$1.6B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$747.1M +13.0% YoY +2.1% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 10.4% in tier
Total Deposits ?	$1.1B +25.7% YoY +4.0% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	1.16% -14.9% YoY +3.1% QoQ	-0.23%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	4.50% -1.1% YoY -0.3% QoQ	+0.63%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 12.5% in tier
Efficiency Ratio ?	65.12% +4.5% YoY +0.5% QoQ	+5.40%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.28% -21.5% YoY -3.5% QoQ	-0.59%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	69.84% -10.1% YoY -1.8% QoQ	-15.20%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	85%
Non-Interest-Bearing Deposit Share ?	27.89% -10.0% YoY -0.7% QoQ	+6.62%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	0.24% -24.4% YoY -4.5% QoQ	-0.44%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	15.07% -0.5% YoY +1.0% QoQ	+0.23%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.34% +15.0% YoY +108.2% QoQ	-0.19%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	60%

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	27.9% -3.1pp YoY -0.2pp QoQ	+6.5pp	21.4%	29.2%	22.2%	79%
Brokered Deposits	0.1% 0.0pp YoY 0.0pp QoQ	-9.4pp	9.5%	8.0%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	14.9% -2.0pp YoY -2.1pp QoQ	+0.9pp	14.0%	14.8%	12.5%	67%
CRE	58.5% +1.1pp YoY -0.6pp QoQ	+8.5pp	50.0%	48.4%	41.4%	72%
1-4 Family	20.0% -1.1pp YoY -0.3pp QoQ	-6.4pp	26.4%	25.8%	31.3%	42%
Consumer	1.6% +0.4pp YoY -0.1pp QoQ	-3.1pp	4.7%	4.7%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	15.1% -0.1pp YoY +0.1pp QoQ	-0.5pp	15.6%	22.7%	19.7%	70%
Leverage Ratio	10.2% -0.7pp YoY -0.1pp QoQ	-1.1pp	11.3%	12.6%	12.6%	42%
Total Capital Ratio	16.3% -0.1pp YoY +0.1pp QoQ	-0.4pp	16.7%	23.8%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	194 +35 (+22.0%) YoY -2 (-1.0%) QoQ	-120	313	186	482	40%
Assets per Employee ($)	$6.3M +1.7% YoY +4.8% QoQ	-$4.2M	$10.5M	$10.1M	$8.8M	15%
Branch Count	12 +2 (+20.0%) YoY -1 (-7.7%) QoQ	-8	20	12	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	55%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.0%	1.0%	25%
Allowance Coverage	5.06x +22.6% YoY +0.8% QoQ	-13.65x	18.71x	18.82x	20.23x	78%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.3% -1.9pp YoY +0.4pp QoQ	-0.3pp	12.6%	13.2%	11.6%	51%
Cost of Funds (YTD)	2.3% -0.1pp YoY +0.1pp QoQ	+0.4pp	1.9%	1.6%	1.7%	76%
Net Income ($, YTD)	$6.9M +4.4% YoY — QoQ	-$12.3M	$19.2M	$15.9M	$40.4M	22%

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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 (1)

Margin Compression

decline

#60 of 85 • Bottom 69.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.16%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 (3 metrics)

112

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.87%

#112 of 885 Top 12.5% in $1B-$10B

138

Loan-to-Deposit Ratio

liquidity

Value: 69.84%

Peer Median: 85.04%

#138 of 885 Top 15.5% in $1B-$10B

185

Non-Interest-Bearing Deposit Share

funding

Value: 27.89%

Peer Median: 21.27%

#185 of 885 Top 20.8% in $1B-$10B

Top Weaknesses (3 metrics)

794

Total Loans

size

Value: $747.09M

Peer Median: $1.96B

#794 of 885 Bottom 10.4% in $1B-$10B

723

Total Assets

size

Value: $1.22B

Peer Median: $2.79B

#723 of 885 Bottom 18.4% in $1B-$10B

703

Total Deposits

size

Value: $1.07B

Peer Median: $2.32B

#703 of 885 Bottom 20.7% in $1B-$10B