BlastPoint's Banking Scorecard

Texas National Bank

$100M-$1B Specialty: Other TX FDIC cert 34014

Designations: ✓ CDFI-certified

Sweetwater, TX

2 branches across TX

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

Texas National Bank has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 45.9% in tier
+ Non-Interest-Bearing Deposit Share 15.04% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 7.4% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 0.99% below tier average
- Efficiency Ratio 24.22% above tier average

Get updates when Texas National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$141.0M +0.6% YoY +0.9% QoQ	-$245.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 11.5% in tier
Total Loans ?	$36.8M +7.2% YoY +2.1% QoQ	-$218.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 1.2% in tier
Total Deposits ?	$130.6M -1.2% YoY +1.5% QoQ	-$197.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	15%
Return on Assets ?	0.35% +78.3% YoY -37.8% QoQ	-0.92%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 9.1% in tier
Net Interest Margin ?	2.94% +18.9% YoY +8.2% QoQ	-0.99%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 9.7% in tier
Efficiency Ratio ?	89.51% -8.9% YoY +8.3% QoQ	+24.22%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 6.9% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	28.18% +8.5% YoY +0.7% QoQ	-48.46%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 1.5% in tier
Non-Interest-Bearing Deposit Share ?	37.06% +6.8% YoY +3.0% QoQ	+15.04%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	28.44% +3.0% YoY +0.3% QoQ	+12.61%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 4.5% in tier
Non-Interest Income / Assets ?	0.16% +0.3% YoY -77.1% QoQ	-0.12%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	76%

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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)

Credit Quality Leader

growth

#306 of 664 • Top 45.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#39 of 512 • Bottom 7.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.35%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 28.18%

Peer Median: 76.64%

#42 of 2664 Top 1.5% in $100M-$1B

121

Tier 1 Capital Ratio

capital

Value: 28.44%

Peer Median: 15.83%

#121 of 2664 Top 4.5% in $100M-$1B

204

Non-Interest-Bearing Deposit Share

funding

Value: 37.06%

Peer Median: 22.02%

#204 of 2664 Top 7.6% in $100M-$1B

636

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (6 metrics)

2632

Total Loans

size

Value: $36.79M

Peer Median: $255.72M

#2632 of 2664 Bottom 1.2% in $100M-$1B

2482

Efficiency Ratio

profitability

Value: 89.51%

Peer Median: 65.29%

#2482 of 2664 Bottom 6.9% in $100M-$1B

2423

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2406

Net Interest Margin

profitability

Value: 2.94%

Peer Median: 3.93%

#2406 of 2664 Bottom 9.7% in $100M-$1B

2358

Total Assets

size

Value: $141.04M

Peer Median: $386.08M

#2358 of 2664 Bottom 11.5% in $100M-$1B

2255

Total Deposits

size

Value: $130.56M

Peer Median: $327.97M

#2255 of 2664 Bottom 15.4% in $100M-$1B