BlastPoint's Banking Scorecard

The Perryton National Bank

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

Perryton, 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 +11.5% year over year ($181.1M on the books).
Delinquency rate 0.37%.
Return on assets 1.71%.
Efficiency ratio 49.19% vs a 64.48% peer average.
Loan-to-deposit ratio 53.65% 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 Perryton National Bank has 3 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 0.39% above tier average
+ Efficiency Ratio 15.29% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.8% in tier
- Credit Quality Pressure: Bottom 45.9% in tier
- Net Interest Margin 0.68% below tier average

Get updates when The Perryton 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 ?	$212.7M +11.6% YoY +3.8% QoQ	-$173.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$97.2M +4.9% YoY +8.0% QoQ	-$161.2M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$181.1M +11.5% YoY +4.3% QoQ	-$145.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	1.71% +4.0% YoY +1.6% QoQ	+0.39%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.31% +1.3% YoY +1.4% QoQ	-0.68%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	49.19% +0.7% YoY -3.7% QoQ	-15.29%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	0.37% +636.5% QoQ	-0.55%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	53.65% -5.9% YoY +3.5% QoQ	-24.30%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 11.2% in tier
Non-Interest-Bearing Deposit Share ?	21.17% +6.8% YoY -0.8% QoQ	-0.86%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.17% +666.1% QoQ	-0.50%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	16.40% -2.9% YoY -0.1% QoQ	+0.49%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.17% -11.4% YoY +100.3% QoQ	-0.40%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	41%

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	21.2% +1.4pp YoY -0.2pp QoQ	-1.0pp	22.1%	29.2%	22.2%	50%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	16.3% -5.5pp YoY -2.0pp QoQ	+4.8pp	11.6%	14.8%	12.5%	80%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	19.7% +0.1pp YoY -1.0pp QoQ	-13.0pp	32.6%	25.8%	31.3%	29%
Consumer	13.0% -0.1pp YoY -0.6pp QoQ	+8.9pp	4.1%	4.7%	5.0%	95%

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	16.4% -0.5pp YoY 0.0pp QoQ	+4.2pp	12.2%	12.6%	12.6%	92%
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	21 +1 (+5.0%) YoY 0 QoQ	-38	58	186	482	12%
Assets per Employee ($)	$10.1M +6.3% YoY +3.8% QoQ	+$2.6M	$7.5M	$10.1M	$8.8M	86%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

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	-0.3pp	0.3%	0.3%	0.4%	27%
Nonaccrual	0.3% +0.3pp QoQ	-0.6pp	0.9%	1.0%	1.0%	42%
Allowance Coverage	6.12x -99.7% YoY -87.0% QoQ	-18.03x	24.15x	18.82x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	11.9% -0.3pp YoY +0.3pp QoQ	-0.3pp	12.2%	13.2%	11.6%	49%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	68%
Net Income ($, YTD)	$1.8M +13.4% YoY — QoQ	-$784K	$2.6M	$15.9M	$40.4M	48%

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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 (2)

Credit Risk Growth

risk

#336 of 936 • Bottom 35.8% 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

Credit Quality Pressure

risk

#578 of 1256 • Bottom 45.9% in tier

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

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

298

Loan-to-Deposit Ratio

liquidity

Value: 53.65%

Peer Median: 77.95%

#298 of 2643 Top 11.2% in $100M-$1B

404

Efficiency Ratio

profitability

Value: 49.19%

Peer Median: 64.48%

#404 of 2643 Top 15.2% in $100M-$1B

629

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.32%

#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (2 metrics)

2171

Total Loans

size

Value: $97.19M

Peer Median: $258.35M

#2171 of 2643 Bottom 17.9% in $100M-$1B

2114

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2114 of 2643 Bottom 20.1% in $100M-$1B