BlastPoint's Banking Scorecard
The First National Bank of Quitaque
Quitaque, TX
3 branches across TX
The First National Bank of Quitaque has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 13.21% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 13.5% in tier
- - Delinquency Rate 1.41% above tier average
- - Net Interest Margin 0.34% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.9M
+15.8% YoY
+7.3% QoQ
|
-$218.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$51.2M
-15.3% YoY
-16.4% QoQ
|
-$204.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.1% in tier |
| Total Deposits ? |
$148.9M
+16.3% YoY
+7.9% QoQ
|
-$179.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.36%
+22.9% YoY
-10.8% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
3.59%
-15.5% YoY
-14.4% QoQ
|
-0.34% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
52.08%
+15.3% YoY
+7.8% QoQ
|
-13.21% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
2.30%
+20.5% YoY
+44.9% QoQ
|
+1.41% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.7% in tier |
| Loan-to-Deposit Ratio ? |
34.37%
-27.2% YoY
-22.5% QoQ
|
-42.27% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.78%
+6.5% YoY
+7.5% QoQ
|
+7.76% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.70%
-11.9% YoY
+12.8% QoQ
|
+0.06% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
10.55%
+1.1% YoY
-2.1% QoQ
|
-5.28% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.07%
-12.9% YoY
-78.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.