BlastPoint's Banking Scorecard
The City National Bank of Taylor
Taylor, 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 +5.6% year over year ($220.8M on the books).
- Delinquency rate 0.38%.
- Return on assets 1.26%.
- Efficiency ratio 73.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.30% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.10% above tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29.3% in tier
- - Efficiency Ratio 8.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.3M
+5.5% YoY
+1.6% QoQ
|
-$136.2M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$148.6M
+3.1% YoY
+0.1% QoQ
|
-$109.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$220.8M
+5.6% YoY
+1.7% QoQ
|
-$106.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.26%
-21.6% YoY
-1.0% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.08%
-8.8% YoY
+0.3% QoQ
|
+0.10% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
73.08%
+7.0% YoY
+0.3% QoQ
|
+8.60% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.38%
-44.2% YoY
-0.8% QoQ
|
-0.53% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
67.30%
-2.4% YoY
-1.5% QoQ
|
-10.65% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
32.66%
+1.2% YoY
+1.9% QoQ
|
+10.63% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 13.2% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-45.4% YoY
-2.3% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.90%
-53.6% YoY
-1.1% QoQ
|
-3.01% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.38%
-5.7% YoY
+94.5% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.7%
+0.4pp YoY +0.6pp QoQ |
+10.5pp | 22.1% | 29.2% | 22.2% | 87% |
| 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 |
3.4%
+0.2pp YoY +0.1pp QoQ |
-8.1pp | 11.6% | 14.8% | 12.5% | 11% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
71.5%
+5.0pp YoY +0.8pp QoQ |
+38.9pp | 32.6% | 25.8% | 31.3% | 95% |
| Consumer |
0.8%
-0.1pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 4.7% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-0.3pp YoY -0.1pp QoQ |
+0.7pp | 12.2% | 12.6% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
0 YoY 0 QoQ |
-20 | 58 | 186 | 482 | 40% |
| Assets per Employee ($) |
$6.4M
+5.5% YoY +1.6% QoQ |
-$1.1M | $7.5M | $10.1M | $8.8M | 41% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 20% |
| Nonaccrual |
0.4%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 45% |
| Allowance Coverage |
2.84x
+76.5% YoY 0.0% QoQ |
-21.32x | 24.15x | 18.82x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
-3.6pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 13.2% | 11.6% | 42% |
| Cost of Funds (YTD) |
0.9%
+0.3pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$1.6M
-19.7% YoY — QoQ |
-$1.0M | $2.6M | $15.9M | $40.4M | 43% |
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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 (0)
Concerns (1)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.