BlastPoint's Banking Scorecard

The Liberty National Bank in Paris

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

Paris, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

The Liberty National Bank in Paris has 3 strengths but faces 1 concern

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 16.82% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$450.5M -0.8% YoY -2.7% QoQ	+$64.4M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$312.6M +0.3% YoY +0.5% QoQ	+$56.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$395.2M -1.7% YoY -3.3% QoQ	+$67.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.50% +21.2% YoY +17.2% QoQ	+0.23%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.72% +13.2% YoY +8.1% QoQ	-0.21%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	48.47% -7.6% YoY -6.6% QoQ	-16.82%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 13.1% in tier
Delinquency Rate ?	0.38% -5.7% YoY -51.0% QoQ	-0.50%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	79.10% +2.0% YoY +3.9% QoQ	+2.46%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	20.76% +3.7% YoY -2.8% QoQ	-1.26%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.27% -4.6% YoY -49.4% QoQ	-0.37%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	12.27% +3.7% YoY +4.6% QoQ	-3.56%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.11% +1.8% YoY -75.5% QoQ	-0.17%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	58%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

351

Efficiency Ratio

profitability

Value: 48.47%

Peer Median: 65.29%

#351 of 2664 Top 13.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available