BlastPoint's Banking Scorecard
The First National Bank of Quitaque
Quitaque, TX
3 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 +11.3% year over year ($147.4M on the books).
- Delinquency rate 1.73%.
- Return on assets 1.38%.
- Efficiency ratio 49.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 37.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Quitaque has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 15.01% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.37% below tier average
- - Delinquency Rate 0.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.1M
+11.4% YoY
-0.5% QoQ
|
-$219.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$55.3M
-3.4% YoY
+8.0% QoQ
|
-$203.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$147.4M
+11.3% YoY
-1.0% QoQ
|
-$179.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.38%
-1.7% YoY
+1.1% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.62%
-13.9% YoY
+1.0% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
49.47%
+7.8% YoY
-5.0% QoQ
|
-15.01% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
1.73%
-18.6% YoY
-24.6% QoQ
|
+0.82% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
37.48%
-13.2% YoY
+9.1% QoQ
|
-40.47% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.97%
-3.6% YoY
-6.1% QoQ
|
+5.94% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.57%
-29.4% YoY
-18.1% QoQ
|
-0.10% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.59%
-1.4% YoY
+0.4% QoQ
|
-5.32% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.14%
-6.6% YoY
+101.8% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.0%
-1.1pp YoY -1.8pp QoQ |
+5.8pp | 22.1% | 29.2% | 22.2% | 76% |
| 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 |
8.9%
-4.1pp YoY -1.1pp QoQ |
-2.7pp | 11.6% | 14.8% | 12.5% | 46% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
2.2%
-0.4pp YoY -0.4pp QoQ |
-30.4pp | 32.6% | 25.8% | 31.3% | 2% |
| Consumer |
11.1%
-1.5pp YoY -1.9pp QoQ |
+7.0pp | 4.1% | 4.7% | 5.0% | 94% |
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 |
10.6%
-0.2pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 12.6% | 12.6% | 43% |
| 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 |
18
-1 (-5.3%) YoY 0 QoQ |
-41 | 58 | 186 | 482 | 8% |
| Assets per Employee ($) |
$9.3M
+17.6% YoY -0.5% QoQ |
+$1.8M | $7.5M | $10.1M | $8.8M | 81% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 26% |
| Nonaccrual |
1.7%
-0.4pp YoY -0.6pp QoQ |
+0.8pp | 0.9% | 1.0% | 1.0% | 84% |
| Allowance Coverage |
0.89x
+17.9% YoY +10.7% QoQ |
-23.26x | 24.15x | 18.82x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.7%
-0.5pp YoY +0.6pp QoQ |
+0.6pp | 0.1% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
-0.3pp YoY +0.1pp QoQ |
+0.9pp | 12.2% | 13.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 56% |
| Net Income ($, YTD) |
$1.1M
+10.6% YoY — QoQ |
-$1.4M | $2.6M | $15.9M | $40.4M | 31% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.