BlastPoint's Banking Scorecard
The First National Bank of Mertzon
Mertzon, TX
3 branches across TX
The First National Bank of Mertzon has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45.5% in tier
- + Efficiency Ratio 31.73% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.35% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 3.2% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.88% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$504.9M
-8.9% YoY
+3.7% QoQ
|
+$118.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$79.0M
+16.4% YoY
+8.2% QoQ
|
-$176.7M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.8% in tier |
| Total Deposits ? |
$426.7M
-11.9% YoY
+3.7% QoQ
|
+$98.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.62%
-10.6% YoY
-13.8% QoQ
|
+0.35% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.05%
-1.9% YoY
-9.8% QoQ
|
-0.88% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio ? |
33.55%
+22.8% YoY
+11.2% QoQ
|
-31.73% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 1.5% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
18.52%
+32.2% YoY
+4.3% QoQ
|
-58.12% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.08%
+19.9% YoY
-6.8% QoQ
|
+8.06% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
84.55%
-4.6% YoY
-6.4% QoQ
|
+68.72% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 0.5% in tier |
| Non-Interest Income / Assets ? |
0.02%
-8.1% YoY
-77.3% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.3% in tier |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.