BlastPoint's Banking Scorecard
The First National Bank of Sterling City
Sterling City, TX
3 branches across TX
The First National Bank of Sterling City has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50.0% in tier
- + Efficiency Ratio 21.86% below tier average
- + Non-Interest-Bearing Deposit Share 17.83% above tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + ROA 0.41% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.00% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.1M
+14.2% YoY
+5.6% QoQ
|
-$126.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$42.1M
-3.7% YoY
+3.7% QoQ
|
-$213.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.7% in tier |
| Total Deposits ? |
$237.0M
+11.7% YoY
+5.9% QoQ
|
-$90.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.68%
+17.5% YoY
+14.6% QoQ
|
+0.41% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
2.93%
+2.1% YoY
+3.2% QoQ
|
-1.00% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
43.43%
-10.8% YoY
-12.2% QoQ
|
-21.86% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 7.1% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
17.76%
-13.8% YoY
-2.0% QoQ
|
-58.88% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.85%
-3.8% YoY
-7.2% QoQ
|
+17.83% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 4.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
38.06%
+7.7% YoY
-2.8% QoQ
|
+22.23% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 1.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
-32.3% YoY
-77.9% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
15% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.