BlastPoint's Banking Scorecard
The City National Bank of San Saba
Designations: ✓ Community bank
San Saba, TX
The City National Bank of San Saba has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Efficiency Ratio 21.99% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.59% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.6M
-2.8% YoY
+1.5% QoQ
|
+$20.5M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$7.8M
-11.2% YoY
-4.3% QoQ
|
-$26.4M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.7% in tier |
| Total Deposits ? |
$72.9M
-4.1% YoY
+1.7% QoQ
|
+$21.1M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.86%
+40.0% YoY
+25.9% QoQ
|
+0.02% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
2.27%
+8.6% YoY
+3.6% QoQ
|
-1.59% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio ? |
66.35%
-10.5% YoY
-8.2% QoQ
|
-21.99% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
10.73%
-7.4% YoY
-6.0% QoQ
|
-53.48% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.72%
-7.0% YoY
-6.0% QoQ
|
+11.01% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 14.2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.58%
+6.9% YoY
-1.4% QoQ
|
-14.11% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.10%
-0.5% YoY
-75.1% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
73% |
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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
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