BlastPoint

BlastPoint's Banking Scorecard

The Liberty National Bank in Paris

$100M-$1B Specialty: Commercial TX FDIC cert 3384

Paris, TX

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -11.7% year over year ($364.7M on the books).
  • Delinquency rate 0.90%.
  • Return on assets 1.55%.
  • Efficiency ratio 47.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.95% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The Liberty National Bank in Paris has 2 strengths but faces 3 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

  • + ROA 0.23% above tier average
  • + Efficiency Ratio 16.54% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 12.2% in tier
  • - Credit Risk Growth: Bottom 31.1% in tier
  • - Net Interest Margin 0.21% below tier average
Get updates when The Liberty National Bank in Paris releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $452.1M
-3.3% YoY +0.4% QoQ
+$65.6M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $324.4M
+2.5% YoY +3.8% QoQ
+$66.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $364.7M
-11.7% YoY -7.7% QoQ
+$37.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 1.55%
+16.5% YoY +3.0% QoQ
+0.23% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 3.78%
+13.8% YoY +1.6% QoQ
-0.21% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 47.94%
-4.6% YoY -1.1% QoQ
-16.54% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 12.9% in tier
Delinquency Rate ? 0.90%
+114.1% YoY +134.5% QoQ
-0.02% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 88.95%
+16.2% YoY +12.5% QoQ
+11.00% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 23.62%
+25.1% YoY +13.8% QoQ
+1.59% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.69%
+143.7% YoY +160.3% QoQ
+0.02% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 12.76%
+4.5% YoY +3.9% QoQ
-3.15% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.22%
+0.9% YoY +106.2% QoQ
-0.34% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
57%

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 23.6%
+4.7pp YoY
+2.9pp QoQ
 +1.5pp 22.1% 29.2% 22.2% 61%
Brokered Deposits 2.7%
+0.3pp YoY
+0.2pp QoQ
 -5.1pp 7.9% 8.0% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 12.7%
+0.9pp YoY
+0.5pp QoQ
 +1.1pp 11.6% 14.8% 12.5% 67%
CRE 26.7%
-1.6pp YoY
-0.1pp QoQ
 -12.9pp 39.5% 48.4% 41.4% 29%
1-4 Family 53.7%
+0.1pp YoY
-0.8pp QoQ
 +21.1pp 32.6% 25.8% 31.3% 86%
Consumer 5.3%
-0.2pp YoY
0.0pp QoQ
 +1.2pp 4.1% 4.7% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.8%
+0.5pp YoY
+0.5pp QoQ
 +0.6pp 12.2% 12.6% 12.6% 73%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 53
+3 (+6.0%) YoY
0 QoQ
 -6 58 186 482 56%
Assets per Employee ($) $8.5M
-8.8% YoY
+0.4% QoQ
 +$1.0M $7.5M $10.1M $8.8M 74%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.4pp YoY
+0.4pp QoQ
 +0.2pp 0.3% 0.3% 0.4% 84%
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 41%
Allowance Coverage 2.01x
-51.2% YoY
-58.4% QoQ
 -22.15x 24.15x 18.82x 20.23x 48%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.3%
+1.2pp YoY
+0.1pp QoQ
 +1.1pp 12.2% 13.2% 11.6% 58%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 51%
Net Income ($, YTD) $3.5M
+17.0% YoY
— QoQ
 +$971K $2.6M $15.9M $40.4M 76%

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 (2)

Capital Constraint

risk
#14 of 107 • Bottom 12.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 88.95%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.76%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Credit Risk Growth

risk
#292 of 936 • Bottom 31.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

341
Efficiency Ratio
profitability
Value: 47.94%
Peer Median: 64.48%
#341 of 2643 Top 12.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026