BlastPoint's Banking Scorecard
First National Bank
Designations: ✓ Community bank
Rotan, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +10.8% year over year ($90.4M on the books).
- Delinquency rate 3.16%.
- Return on assets 0.71%.
- Efficiency ratio 79.50% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.78% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 39.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Net Interest Margin 0.68% below tier average
- - Delinquency Rate 1.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.5M
+12.8% YoY
-1.2% QoQ
|
+$34.0M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 5.0% in tier |
| Total Loans ? |
$39.6M
+16.9% YoY
+6.2% QoQ
|
+$4.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$90.4M
+10.8% YoY
-1.4% QoQ
|
+$38.8M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 0.1% in tier |
| Return on Assets ? |
0.71%
-4.7% YoY
+3.7% QoQ
|
-0.28% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.23%
+5.8% YoY
+1.7% QoQ
|
-0.68% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
79.50%
-4.3% YoY
-0.6% QoQ
|
-39.90% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
3.16%
-9.2% QoQ
|
+1.68% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.4% in tier |
| Loan-to-Deposit Ratio ? |
43.78%
+5.6% YoY
+7.6% QoQ
|
-30.43% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
19.07%
-8.4% YoY
+11.7% QoQ
|
-4.42% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.30%
-2.5% QoQ
|
+0.46% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
21.53%
-3.8% YoY
+7.4% QoQ
|
-5.60% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.19%
-9.9% YoY
+98.1% QoQ
|
-1.19% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
19.1%
-1.8pp YoY +2.0pp QoQ |
-5.6pp | 24.6% | 29.2% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
13.9%
-1.0pp YoY -2.7pp QoQ |
+0.5pp | 13.4% | 14.8% | 12.5% | 64% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
0.0%
0.0pp YoY 0.0pp QoQ |
-35.0pp | 35.0% | 25.8% | 31.3% | 0% |
| Consumer |
6.4%
-0.2pp YoY 0.0pp QoQ |
-1.2pp | 7.7% | 4.7% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.5%
-0.8pp YoY +1.5pp QoQ |
-17.2pp | 38.7% | 22.7% | 19.7% | 53% |
| Leverage Ratio |
9.7%
-0.4pp YoY 0.0pp QoQ |
-8.0pp | 17.7% | 12.6% | 12.6% | 15% |
| Total Capital Ratio |
22.8%
-0.8pp YoY +1.5pp QoQ |
-16.9pp | 39.7% | 23.8% | 20.8% | 54% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
0 YoY 0 QoQ |
+2 | 12 | 186 | 482 | 67% |
| Assets per Employee ($) |
$6.9M
+12.8% YoY -1.2% QoQ |
+$704K | $6.2M | $10.1M | $8.8M | 64% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
3.2%
+0.7pp QoQ |
+1.4pp | 1.7% | 1.0% | 1.0% | 87% |
| Allowance Coverage |
0.75x
-94.9% YoY +8.8% QoQ |
-5.66x | 6.41x | 18.82x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
-0.3%
-0.2pp YoY -0.1pp QoQ |
-0.5pp | 0.2% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
-11.1pp YoY +0.3pp QoQ |
+5.7pp | 6.4% | 13.2% | 11.6% | 72% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 64% |
| Net Income ($, YTD) |
$343,000
+1.8% YoY — QoQ |
+$25K | $317,817 | $15.9M | $40.4M | 57% |
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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.