BlastPoint

BlastPoint's Banking Scorecard

The First National Bank of Sonora

$100M-$1B Specialty: Commercial TX FDIC cert 5531

Sonora, TX

9 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 +0.8% year over year ($640.7M on the books).
  • Delinquency rate 1.41%.
  • Return on assets 0.57%.
  • Efficiency ratio 83.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The First National Bank of Sonora has 1 strength but faces 5 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

  • + Net Interest Margin 0.81% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 20.2% in tier
  • - Capital Thin: Bottom 29.8% in tier
  • - Nonperforming Asset Ratio 1.27% above tier average
  • - ROA 0.75% below tier average
  • - Delinquency Rate 0.49% above tier average
Get updates when The First National Bank of Sonora releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $722.0M
+4.0% YoY +2.4% QoQ
+$335.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 11.6% in tier
Total Loans ? $531.2M
+23.3% YoY +4.6% QoQ
+$272.8M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 9.0% in tier
Total Deposits ? $640.7M
+0.8% YoY +2.7% QoQ
+$314.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 10.0% in tier
Return on Assets ? 0.57%
-16.7% YoY -11.9% QoQ
-0.75% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 14.2% in tier
Net Interest Margin ? 4.80%
+15.1% YoY -1.3% QoQ
+0.81% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 12.0% in tier
Efficiency Ratio ? 83.61%
-0.2% YoY -0.7% QoQ
+19.13% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 10.3% in tier
Delinquency Rate ? 1.41%
-31.2% YoY -45.5% QoQ
+0.49% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 82.91%
+22.3% YoY +1.8% QoQ
+4.95% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 30.45%
+5.3% YoY -0.1% QoQ
+8.42% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 1.94%
+9.5% YoY -30.6% QoQ
+1.27% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 7.8% in tier
Tier 1 Capital Ratio ? 9.93%
-15.6% YoY -5.8% QoQ
-5.98% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 9.6% in tier
Non-Interest Income / Assets ? 0.13%
-43.4% YoY +52.9% QoQ
-0.44% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
28%

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 30.5%
+1.5pp YoY
0.0pp QoQ
 +8.3pp 22.1% 29.2% 22.2% 83%
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 9.9%
-1.6pp YoY
+0.5pp QoQ
 -1.6pp 11.6% 14.8% 12.5% 52%
CRE 51.4%
+3.6pp YoY
+0.5pp QoQ
 +11.8pp 39.5% 48.4% 41.4% 72%
1-4 Family 29.8%
-2.0pp YoY
-0.9pp QoQ
 -2.8pp 32.6% 25.8% 31.3% 51%
Consumer 3.1%
-0.4pp YoY
-0.1pp QoQ
 -1.0pp 4.1% 4.7% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 9.9%
-1.8pp YoY
-0.6pp QoQ
 -8.9pp 18.8% 22.7% 19.7% 2%
Leverage Ratio 8.0%
+0.2pp YoY
-0.2pp QoQ
 -4.2pp 12.2% 12.6% 12.6% 2%
Total Capital Ratio 10.8%
-2.0pp YoY
-0.6pp QoQ
 -9.1pp 19.9% 23.8% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 111
+8 (+7.8%) YoY
-4 (-3.5%) QoQ
 +52 58 186 482 90%
Assets per Employee ($) $6.5M
-3.5% YoY
+6.1% QoQ
 -$1.0M $7.5M $10.1M $8.8M 43%
Branch Count 9
0 YoY
0 QoQ
 +4 4 12 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.5pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 18%
Nonaccrual 1.4%
-0.2pp YoY
-0.8pp QoQ
 +0.5pp 0.9% 1.0% 1.0% 80%
Allowance Coverage 0.65x
+20.4% YoY
+92.9% QoQ
 -23.50x 24.15x 18.82x 20.23x 16%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 7.6%
-1.7pp YoY
-0.9pp QoQ
 -4.6pp 12.2% 13.2% 11.6% 23%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 64%
Net Income ($, YTD) $2.0M
-11.9% YoY
— QoQ
 -$549K $2.6M $15.9M $40.4M 52%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk
#74 of 361 • Bottom 20.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.61%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk
#198 of 661 • Bottom 29.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.93%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

239
Total Loans
size
Value: $531.17M
Peer Median: $258.35M
#239 of 2643 Top 9.0% in $100M-$1B
264
Total Deposits
size
Value: $640.69M
Peer Median: $326.73M
#264 of 2643 Top 10.0% in $100M-$1B
307
Total Assets
size
Value: $721.95M
Peer Median: $386.57M
#307 of 2643 Top 11.6% in $100M-$1B
319
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.99%
#319 of 2643 Top 12.0% in $100M-$1B
444
Non-Interest-Bearing Deposit Share
funding
Value: 30.45%
Peer Median: 22.03%
#444 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (5 metrics)

2437
Nonperforming Asset Ratio
credit_quality
Value: 1.94%
Peer Median: 0.67%
#2437 of 2643 Bottom 7.8% in $100M-$1B
2390
Tier 1 Capital Ratio
capital
Value: 9.93%
Peer Median: 15.91%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2371
Efficiency Ratio
profitability
Value: 83.61%
Peer Median: 64.48%
#2371 of 2643 Bottom 10.3% in $100M-$1B
2268
Return on Assets
profitability
Value: 0.57%
Peer Median: 1.32%
#2268 of 2643 Bottom 14.2% in $100M-$1B
2117
Delinquency Rate
credit_quality
Value: 1.41%
Peer Median: 0.92%
#2117 of 2633 Bottom 19.6% in $100M-$1B
Powered by BlastPoint © 2026