BlastPoint's Banking Scorecard

The First National Bank of Stanton

$100M-$1B Specialty: Other TX FDIC cert 5536

Stanton, TX

2 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 -9.9% year over year ($328.4M on the books).
Delinquency rate 1.11%.
Return on assets 2.52%.
Efficiency ratio 30.84% vs a 64.48% peer average.
Loan-to-deposit ratio 29.93% 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 Stanton has 5 strengths but faces 2 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

+ Revenue Diversifier: Top 30.3% in tier
+ Return on Assets 1.20% above tier average
+ Efficiency Ratio 33.64% below tier average
+ Non-Interest-Bearing Deposit Share 28.86% above tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 9.2% in tier
- Delinquency Rate 0.19% above tier average

Get updates when The First National Bank of Stanton releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$394.9M -6.7% YoY -4.6% QoQ	+$8.3M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$98.3M -2.4% YoY -10.0% QoQ	-$160.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$328.4M -9.9% YoY -5.9% QoQ	+$1.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	2.52% -2.2% YoY +0.6% QoQ	+1.20%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 4.6% in tier
Net Interest Margin ?	4.06% +3.2% YoY +0.0% QoQ	+0.07%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	30.84% +9.2% YoY +1.5% QoQ	-33.64%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.8% in tier
Delinquency Rate ?	1.11%	+0.19%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	29.93% +8.2% YoY -4.3% QoQ	-48.02%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 1.7% in tier
Non-Interest-Bearing Deposit Share ?	50.89% -2.0% YoY +8.2% QoQ	+28.86%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	0.28%	-0.39%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	53%
Tier 1 Capital Ratio ?	40.14% +10.6% YoY +10.0% QoQ	+24.23%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 1.8% in tier
Non-Interest Income / Assets ?	0.35% -4.1% YoY +119.3% QoQ	-0.21%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	80%

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	50.9% -1.0pp YoY +3.8pp QoQ	+28.7pp	22.1%	29.2%	22.2%	99%
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	29.0% +5.6pp YoY +0.3pp QoQ	+17.5pp	11.6%	14.8%	12.5%	96%
CRE	51.8% -1.8pp YoY +2.1pp QoQ	+12.2pp	39.5%	48.4%	41.4%	73%
1-4 Family	4.6% -0.8pp YoY +0.1pp QoQ	-28.0pp	32.6%	25.8%	31.3%	4%
Consumer	1.6% -0.3pp YoY +0.1pp QoQ	-2.5pp	4.1%	4.7%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	40.1% +3.8pp YoY +3.6pp QoQ	+21.3pp	18.8%	22.7%	19.7%	97%
Leverage Ratio	17.5% +2.0pp YoY +1.7pp QoQ	+5.3pp	12.2%	12.6%	12.6%	94%
Total Capital Ratio	41.4% +3.8pp YoY +3.6pp QoQ	+21.5pp	19.9%	23.8%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	25 +1 (+4.2%) YoY 0 QoQ	-34	58	186	482	19%
Assets per Employee ($)	$15.8M -10.5% YoY -4.6% QoQ	+$8.3M	$7.5M	$10.1M	$8.8M	98%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.1% +1.1pp YoY +1.1pp QoQ	+0.2pp	0.9%	1.0%	1.0%	74%
Allowance Coverage	2.20x -99.6% YoY -98.6% QoQ	-21.95x	24.15x	18.82x	20.23x	50%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.4% -3.6pp YoY -0.5pp QoQ	+4.2pp	12.2%	13.2%	11.6%	75%
Cost of Funds (YTD)	0.7% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.6%	1.7%	4%
Net Income ($, YTD)	$5.2M -4.7% YoY — QoQ	+$2.7M	$2.6M	$15.9M	$40.4M	88%

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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)

Revenue Diversifier

growth

#201 of 661 • Top 30.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.35%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.52%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#50 of 535 • Bottom 9.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 30.84%

Peer Median: 64.48%

#23 of 2643 Top 0.8% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 50.89%

Peer Median: 22.03%

#38 of 2643 Top 1.4% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 29.93%

Peer Median: 77.95%

#46 of 2643 Top 1.7% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 40.14%

Peer Median: 15.91%

#48 of 2643 Top 1.8% in $100M-$1B

122

Return on Assets

profitability

Value: 2.52%

Peer Median: 1.32%

#122 of 2643 Top 4.6% in $100M-$1B

528

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#528 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (1 metrics)

2156

Total Loans

size

Value: $98.30M

Peer Median: $258.35M

#2156 of 2643 Bottom 18.5% in $100M-$1B