BlastPoint's Banking Scorecard

Texas Republic Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 3400

Frisco, TX

6 branches across TX

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

Texas Republic Bank, National Association 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

+ Profitability Leader: Top 43.5% in tier
+ Deposit Franchise: Top 44.9% in tier
+ Efficiency Ratio 10.70% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 49.6% in tier
- Delinquency Rate 0.31% above tier average

Get updates when Texas Republic Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$518.8M +3.8% YoY +3.1% QoQ	+$132.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$410.7M +1.9% YoY +1.8% QoQ	+$155.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$396.0M +6.2% YoY +7.5% QoQ	+$68.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.78% +33.7% YoY +9.4% QoQ	+0.51%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	5.17% +9.9% YoY +1.7% QoQ	+1.24%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.1% in tier
Efficiency Ratio ?	54.58% -13.5% YoY -4.6% QoQ	-10.70%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	1.20% -18.1% YoY -23.6% QoQ	+0.31%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	103.71% -4.0% YoY -5.3% QoQ	+27.07%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 5.6% in tier
Non-Interest-Bearing Deposit Share ?	30.99% +3.1% YoY -1.0% QoQ	+8.97%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	1.00% -14.7% YoY -20.0% QoQ	+0.37%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	13.70% +7.0% YoY -13.1% QoQ	-2.13%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.04% -17.3% YoY -76.0% QoQ	-0.24%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	17%

Get Full Access to Texas Republic Bank, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Profitability Leader

growth

#291 of 666 • Top 43.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.78%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#123 of 272 • Top 44.9% 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: 30.99%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.17%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#320 of 643 • Bottom 49.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.71%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (4 metrics)

138

Net Interest Margin

profitability

Value: 5.17%

Peer Median: 3.93%

#138 of 2664 Top 5.1% in $100M-$1B

422

Non-Interest-Bearing Deposit Share

funding

Value: 30.99%

Peer Median: 22.02%

#422 of 2664 Top 15.8% in $100M-$1B

515

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#515 of 2664 Top 19.3% in $100M-$1B

516

Total Loans

size

Value: $410.67M

Peer Median: $255.72M

#516 of 2664 Top 19.3% in $100M-$1B

Top Weaknesses (4 metrics)

2515

Loan-to-Deposit Ratio

liquidity

Value: 103.71%

Peer Median: 76.64%

#2515 of 2664 Bottom 5.6% in $100M-$1B

2222

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2222 of 2664 Bottom 16.6% in $100M-$1B

2147

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.64%

#2147 of 2664 Bottom 19.4% in $100M-$1B

2010

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.89%

#2010 of 2654 Bottom 24.3% in $100M-$1B