BlastPoint's Banking Scorecard
The City National Bank of Taylor
Taylor, TX
The City National Bank of Taylor has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 21.3% in tier
- - Cost Spiral: Bottom 57.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.4M
+2.0% YoY
+2.9% QoQ
|
-$139.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$148.4M
+3.2% YoY
+0.2% QoQ
|
-$107.3M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$217.1M
+1.6% YoY
+3.0% QoQ
|
-$110.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
1.28%
-21.9% YoY
-22.7% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.07%
-7.6% YoY
-9.9% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
72.85%
+8.0% YoY
+8.1% QoQ
|
+7.57% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.39%
-19.1% YoY
-5.3% QoQ
|
-0.50% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
68.36%
+1.6% YoY
-2.7% QoQ
|
-8.28% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
32.05%
+2.2% YoY
-5.3% QoQ
|
+10.04% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-18.0% YoY
-7.8% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
13.03%
-52.4% YoY
-51.7% QoQ
|
-2.80% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.19%
-1.7% YoY
-75.8% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
85% |
Get Full Access to The City National Bank of Taylor
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.