BlastPoint's Banking Scorecard

The City National Bank of Sulphur Springs

$1B-$10B Specialty: Commercial TX FDIC cert 5544

Designations: ✓ Community bank

Sulphur Springs, TX

17 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

The City National Bank of Sulphur Springs shows strong momentum with 5 strengths and 5.2% YoY asset growth

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

+ Profitability Leader: Top 8.6% in tier
+ Deposit Franchise: Top 43.0% in tier
+ Revenue Diversifier: Top 44.8% in tier
+ Efficiency Ratio 8.45% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$1.4B +5.2% YoY +1.6% QoQ	-$1.4B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$930.6M +4.1% YoY +1.2% QoQ	-$1.0B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$1.2B +5.3% YoY +1.9% QoQ	-$1.1B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	2.32% +35.0% YoY +18.5% QoQ	+0.96%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 5.2% in tier
Net Interest Margin ?	4.69% +9.3% YoY +3.3% QoQ	+0.88%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 8.4% in tier
Efficiency Ratio ?	52.61% -6.3% YoY -5.4% QoQ	-8.45%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.11% -87.9% YoY -83.1% QoQ	-0.78%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 12.4% in tier
Loan-to-Deposit Ratio ?	75.57% -1.1% YoY -0.7% QoQ	-8.64%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	33.02% +2.0% YoY +4.0% QoQ	+11.73%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 11.5% in tier
Nonperforming Asset Ratio ?	0.07% -88.2% YoY -83.1% QoQ	-0.60%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 10.4% in tier
Tier 1 Capital Ratio ?	14.09% +0.5% YoY -1.6% QoQ	-1.07%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.22% +4.5% YoY -74.3% QoQ	-0.03%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	76%

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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 (3)

Profitability Leader

growth

#20 of 221 • Top 8.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.32%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#38 of 86 • Top 43.0% 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: 33.02%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.69%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#100 of 221 • Top 44.8% 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: 0.22%

(Tier: 0.26%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.32%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 2.32%

Peer Median: 1.37%

#47 of 884 Top 5.2% in $1B-$10B

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.82%

#75 of 884 Top 8.4% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#93 of 884 Top 10.4% in $1B-$10B

103

Non-Interest-Bearing Deposit Share

funding

Value: 33.02%

Peer Median: 21.29%

#103 of 884 Top 11.5% in $1B-$10B

110

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.89%

#110 of 880 Top 12.4% in $1B-$10B

212

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#212 of 884 Top 23.9% in $1B-$10B

222

Loan-to-Deposit Ratio

liquidity

Value: 75.57%

Peer Median: 84.20%

#222 of 884 Top 25.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available