BlastPoint's Banking Scorecard
The First National Bank of Tom Bean
Tom Bean, TX
4 branches across AR · TX
The First National Bank of Tom Bean has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.49% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7.9% in tier
- - Liquidity Strain: Bottom 32.0% in tier
- - Efficiency Ratio 2.53% above tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.2M
+3.5% YoY
-1.6% QoQ
|
-$238.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.6% in tier |
| Total Loans ? |
$118.3M
+6.6% YoY
+0.2% QoQ
|
-$137.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$127.9M
+2.6% YoY
-2.2% QoQ
|
-$200.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.5% in tier |
| Return on Assets ? |
0.92%
-29.8% YoY
-42.9% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
5.42%
-2.1% YoY
-6.2% QoQ
|
+1.49% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 3.5% in tier |
| Efficiency Ratio ? |
67.81%
+0.0% YoY
+16.2% QoQ
|
+2.53% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
1.17%
+122.7% YoY
-13.8% QoQ
|
+0.28% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
92.51%
+3.9% YoY
+2.5% QoQ
|
+15.87% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
22.24%
-9.2% YoY
-2.6% QoQ
|
+0.22% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.00%
+111.9% YoY
-11.4% QoQ
|
+0.36% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.35%
-25.2% YoY
-29.2% QoQ
|
-3.48% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.12%
-19.5% YoY
-78.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
61% |
Get Full Access to The First National Bank of Tom Bean
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.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.