BlastPoint's Banking Scorecard

The Perryton National Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3388

Perryton, TX

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

The Perryton National Bank has 3 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

+ Credit Quality Leader: Top 4.1% in tier
+ ROA 0.41% above tier average
+ Efficiency Ratio 14.21% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.4% in tier
- Net Interest Margin 0.67% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$204.8M +5.7% YoY +0.5% QoQ	-$181.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$90.0M -2.6% YoY -3.3% QoQ	-$165.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$173.6M +4.3% YoY -0.0% QoQ	-$154.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.68% -1.6% YoY -1.3% QoQ	+0.41%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.26% +3.4% YoY -2.6% QoQ	-0.67%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	51.08% +5.3% YoY +4.9% QoQ	-14.21%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.05% +86.1% QoQ	-0.84%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	51.82% -6.6% YoY -3.3% QoQ	-24.82%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 11.0% in tier
Non-Interest-Bearing Deposit Share ?	21.33% +2.7% YoY +10.6% QoQ	-0.69%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.02% +79.2% QoQ	-0.62%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	16.42% -1.8% YoY +0.5% QoQ	+0.59%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.08% -9.1% YoY -77.1% QoQ	-0.19%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	42%

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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 (1)

Credit Quality Leader

growth

#28 of 664 • Top 4.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#124 of 1308 • Bottom 9.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

293

Loan-to-Deposit Ratio

liquidity

Value: 51.82%

Peer Median: 76.64%

#293 of 2664 Top 11.0% in $100M-$1B

454

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#454 of 2664 Top 17.0% in $100M-$1B

474

Efficiency Ratio

profitability

Value: 51.08%

Peer Median: 65.29%

#474 of 2664 Top 17.8% in $100M-$1B

552

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#552 of 2654 Top 20.8% in $100M-$1B

614

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#614 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2248

Total Loans

size

Value: $89.97M

Peer Median: $255.72M

#2248 of 2664 Bottom 15.7% in $100M-$1B

2125

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.93%

#2125 of 2664 Bottom 20.3% in $100M-$1B