BlastPoint's Banking Scorecard
First National Bank of Bosque County
Valley Mills, TX
4 branches across TX
First National Bank of Bosque County has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 74.6% in tier
- + ROA 0.76% above tier average
- + Efficiency Ratio 9.32% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.2M
+3.7% YoY
-1.2% QoQ
|
-$199.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$130.9M
+1.5% YoY
-3.5% QoQ
|
-$124.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$162.7M
+2.5% YoY
-2.0% QoQ
|
-$165.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
2.03%
-8.3% YoY
-5.2% QoQ
|
+0.76% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 11.7% in tier |
| Net Interest Margin ? |
4.37%
-3.6% YoY
-5.4% QoQ
|
+0.44% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
55.97%
+5.6% YoY
+1.8% QoQ
|
-9.32% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.51%
-67.0% YoY
-44.8% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
80.44%
-0.9% YoY
-1.6% QoQ
|
+3.81% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
36.02%
-6.9% YoY
+2.8% QoQ
|
+14.00% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-67.7% YoY
-46.1% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
18.89%
+13.7% YoY
+8.9% QoQ
|
+3.06% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.13%
+14.2% YoY
-76.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
68% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.