BlastPoint's Banking Scorecard

The First National Bank of Sonora

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

Sonora, TX

9 branches across TX

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

+ Deposit Franchise: Top 70.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 29.7% in tier
- Capital Thin: Bottom 37.7% in tier
- Delinquency Rate 2.40% above tier average
- Nonperforming Asset Ratio 2.67% above tier average
- ROA 0.62% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$704.7M +3.2% YoY +3.1% QoQ	+$318.7M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 12.4% in tier
Total Loans ?	$508.0M +19.8% YoY +10.4% QoQ	+$252.3M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 10.2% in tier
Total Deposits ?	$623.7M -0.3% YoY +0.3% QoQ	+$295.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 11.0% in tier
Return on Assets ?	0.65% +0.1% YoY -25.6% QoQ	-0.62%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	4.86% +16.8% YoY +11.1% QoQ	+0.93%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 9.3% in tier
Efficiency Ratio ?	84.20% -0.6% YoY +4.2% QoQ	+18.91%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 10.7% in tier
Delinquency Rate ?	3.29% +129.5% YoY +108.3% QoQ	+2.40%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 5.1% in tier
Loan-to-Deposit Ratio ?	81.46% +20.1% YoY +10.1% QoQ	+4.82%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	30.49% +5.1% YoY +2.4% QoQ	+8.47%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	3.31% +252.3% YoY +62.2% QoQ	+2.67%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 2.4% in tier
Tier 1 Capital Ratio ?	10.54% -11.6% YoY +0.1% QoQ	-5.29%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.08% -22.9% YoY -86.7% QoQ	-0.19%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	42%

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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)

Deposit Franchise

growth

#192 of 272 • Top 70.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 30.49%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.86%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk

#124 of 414 • Bottom 29.7% in tier

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

Why this signature

Efficiency Ratio: 84.20%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Capital Thin

risk

#252 of 666 • Bottom 37.7% 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: 10.54%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

250

Net Interest Margin

profitability

Value: 4.86%

Peer Median: 3.93%

#250 of 2664 Top 9.3% in $100M-$1B

274

Total Loans

size

Value: $508.05M

Peer Median: $255.72M

#274 of 2664 Top 10.2% in $100M-$1B

294

Total Deposits

size

Value: $623.66M

Peer Median: $327.97M

#294 of 2664 Top 11.0% in $100M-$1B

331

Total Assets

size

Value: $704.75M

Peer Median: $386.08M

#331 of 2664 Top 12.4% in $100M-$1B

451

Non-Interest-Bearing Deposit Share

funding

Value: 30.49%

Peer Median: 22.02%

#451 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (5 metrics)

2600

Nonperforming Asset Ratio

credit_quality

Value: 3.31%

Peer Median: 0.64%

#2600 of 2664 Bottom 2.4% in $100M-$1B

2519

Delinquency Rate

credit_quality

Value: 3.29%

Peer Median: 0.89%

#2519 of 2654 Bottom 5.1% in $100M-$1B

2379

Efficiency Ratio

profitability

Value: 84.20%

Peer Median: 65.29%

#2379 of 2664 Bottom 10.7% in $100M-$1B

2221

Tier 1 Capital Ratio

capital

Value: 10.54%

Peer Median: 15.83%

#2221 of 2664 Bottom 16.7% in $100M-$1B

2173

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.27%

#2173 of 2664 Bottom 18.5% in $100M-$1B