BlastPoint's Banking Scorecard
The First National Bank of Stanton
Stanton, TX
2 branches across TX
The First National Bank of Stanton has 6 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.7% in tier
- + Revenue Diversifier: Top 35.0% in tier
- + Profitability Leader: Top 41.7% in tier
- + Efficiency Ratio 34.91% below tier average
- + Non-Interest-Bearing Deposit Share 25.03% above tier average
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.0% in tier
- - Deposit Outflow: Bottom 3.0% in tier
- - Credit Risk Growth: Bottom 28.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$414.1M
-2.4% YoY
-5.1% QoQ
|
+$28.0M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$109.2M
+8.3% YoY
+3.7% QoQ
|
-$146.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$349.2M
-5.0% YoY
-6.6% QoQ
|
+$21.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
2.51%
+2.6% YoY
-0.9% QoQ
|
+1.24% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 4.4% in tier |
| Net Interest Margin ? |
4.05%
+6.1% YoY
+2.6% QoQ
|
+0.12% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
30.38%
+1.9% YoY
+6.1% QoQ
|
-34.91% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 0.9% in tier |
| Delinquency Rate ? |
0.01%
+246.4% YoY
-31.1% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 14.6% in tier |
| Loan-to-Deposit Ratio ? |
31.27%
+14.0% YoY
+11.0% QoQ
|
-45.37% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
47.05%
-8.1% YoY
-6.4% QoQ
|
+25.03% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.00%
+284.3% YoY
-24.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 12.1% in tier |
| Tier 1 Capital Ratio ? |
36.51%
+5.5% YoY
+3.9% QoQ
|
+20.68% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.0% in tier |
| Non-Interest Income / Assets ? |
0.16%
-10.2% YoY
-77.8% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.