BlastPoint's Banking Scorecard
First Capital Bank
Quanah, TX
2 branches across TX
First Capital Bank shows strong momentum with 4 strengths and 12.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 5.2% in tier
- + Profitability Leader: Top 12.2% in tier
- + Efficiency Ratio 14.20% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.2M
+12.5% YoY
-7.9% QoQ
|
-$278.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.3% in tier |
| Total Loans ? |
$78.0M
-2.8% YoY
-5.8% QoQ
|
-$177.7M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.3% in tier |
| Total Deposits ? |
$96.8M
+13.1% YoY
-9.1% QoQ
|
-$231.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.6% in tier |
| Return on Assets ? |
1.93%
+137.2% YoY
+342.2% QoQ
|
+0.66% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 14.3% in tier |
| Net Interest Margin ? |
6.41%
+16.4% YoY
+20.0% QoQ
|
+2.48% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 0.9% in tier |
| Efficiency Ratio ? |
51.09%
-28.8% YoY
-29.5% QoQ
|
-14.20% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.57%
+320.1% YoY
-90.5% QoQ
|
-0.32% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
80.61%
-14.0% YoY
+3.6% QoQ
|
+3.97% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
43.57%
+4.3% YoY
+8.6% QoQ
|
+21.55% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 3.2% in tier |
| Nonperforming Asset Ratio ? |
0.86%
+313.9% YoY
-79.9% QoQ
|
+0.23% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.91%
+8.5% YoY
+14.7% QoQ
|
-2.92% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.13%
-10.5% YoY
-73.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.