BlastPoint's Banking Scorecard

First Capital Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3399

Quanah, 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 +5.5% year over year ($96.8M on the books).
Delinquency rate 0.71%.
Return on assets 1.67%.
Efficiency ratio 58.85% vs a 64.48% peer average.
Loan-to-deposit ratio 76.78% 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) →

First Capital Bank shows strong momentum with 4 strengths and 5.5% YoY asset growth

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

+ Deposit Franchise: Top 4.7% in tier
+ ROA 0.35% above tier average
+ Efficiency Ratio 5.63% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Capital 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 ?	$107.3M +5.5% YoY +0.1% QoQ	-$279.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 1.9% in tier
Total Loans ?	$74.3M -6.1% YoY -4.8% QoQ	-$184.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 8.2% in tier
Total Deposits ?	$96.8M +5.5% YoY -0.0% QoQ	-$230.0M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 4.8% in tier
Return on Assets ?	1.67% +56.4% YoY -13.5% QoQ	+0.35%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	6.16% +10.1% YoY -3.9% QoQ	+2.18%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 1.1% in tier
Efficiency Ratio ?	58.85% -18.6% YoY +15.2% QoQ	-5.63%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.71% -65.7% YoY +26.2% QoQ	-0.21%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	76.78% -11.0% YoY -4.7% QoQ	-1.17%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	46.06% +5.3% YoY +5.7% QoQ	+24.03%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 2.6% in tier
Nonperforming Asset Ratio ?	0.95% -44.6% YoY +9.5% QoQ	+0.28%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	13.71% +13.1% YoY +6.2% QoQ	-2.20%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.27% +1.7% YoY +112.9% QoQ	-0.29%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	68%

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	46.1% +2.3pp YoY +2.5pp QoQ	+23.9pp	22.1%	29.2%	22.2%	97%
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	13.6% -0.1pp YoY +0.4pp QoQ	+2.1pp	11.6%	14.8%	12.5%	71%
CRE	9.4% +0.9pp YoY +0.6pp QoQ	-30.2pp	39.5%	48.4%	41.4%	4%
1-4 Family	30.3% +4.4pp YoY +1.2pp QoQ	-2.4pp	32.6%	25.8%	31.3%	52%
Consumer	7.0% -0.9pp YoY +0.1pp QoQ	+2.9pp	4.1%	4.7%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	13.7% +1.6pp YoY +0.8pp QoQ	-5.1pp	18.8%	22.7%	19.7%	36%
Leverage Ratio	9.6% -0.4pp YoY +0.4pp QoQ	-2.6pp	12.2%	12.6%	12.6%	23%
Total Capital Ratio	15.0% +1.6pp YoY +0.8pp QoQ	-5.0pp	19.9%	23.8%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	25 -1 (-3.8%) YoY +1 (+4.2%) QoQ	-34	58	186	482	19%
Assets per Employee ($)	$4.3M +9.7% YoY -3.9% QoQ	-$3.2M	$7.5M	$10.1M	$8.8M	7%
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	0.4% -1.7pp YoY +0.2pp QoQ	0.0pp	0.3%	0.3%	0.4%	77%
Nonaccrual	0.4% +0.3pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.0%	1.0%	43%
Allowance Coverage	2.41x +214.0% YoY -26.5% QoQ	-21.74x	24.15x	18.82x	20.23x	53%
Net Charge-off Rate (YTD)	1.3% +0.9pp YoY -0.4pp QoQ	+1.2pp	0.1%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	18.6% +7.2pp YoY -3.6pp QoQ	+6.4pp	12.2%	13.2%	11.6%	84%
Cost of Funds (YTD)	1.4% -0.6pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	28%
Net Income ($, YTD)	$920,000 +71.6% YoY — QoQ	-$1.6M	$2.6M	$15.9M	$40.4M	24%

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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)

Deposit Franchise

growth

#14 of 278 • Top 4.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 46.06%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 6.16%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 6.16%

Peer Median: 3.99%

#31 of 2643 Top 1.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 46.06%

Peer Median: 22.03%

#70 of 2643 Top 2.6% in $100M-$1B

Top Weaknesses (4 metrics)

2594

Total Assets

size

Value: $107.27M

Peer Median: $386.57M

#2594 of 2643 Bottom 1.9% in $100M-$1B

2518

Total Deposits

size

Value: $96.78M

Peer Median: $326.73M

#2518 of 2643 Bottom 4.8% in $100M-$1B

2427

Total Loans

size

Value: $74.31M

Peer Median: $258.35M

#2427 of 2643 Bottom 8.2% in $100M-$1B

2076

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.67%

#2076 of 2643 Bottom 21.5% in $100M-$1B