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First National Bank of Bosque County

$100M-$1B Specialty: Commercial TX FDIC cert 5564

Valley Mills, TX

4 branches across 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 +4.0% year over year ($158.3M on the books).
  • Delinquency rate 0.73%.
  • Return on assets 2.12%.
  • Efficiency ratio 55.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First National Bank of Bosque County has 4 strengths but faces 1 concern

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

  • + Deposit Franchise: Top 63.3% in tier
  • + ROA 0.80% above tier average
  • + Efficiency Ratio 8.80% below tier average
  • + Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 35.6% in tier
Get updates when First National Bank of Bosque County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $182.3M
+4.9% YoY -2.1% QoQ
-$204.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $135.0M
+2.6% YoY +3.1% QoQ
-$123.4M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $158.3M
+4.0% YoY -2.7% QoQ
-$168.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 2.12%
-3.0% YoY +4.3% QoQ
+0.80% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 10.7% in tier
Net Interest Margin ? 4.58%
-1.7% YoY +4.7% QoQ
+0.59% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 55.68%
+1.9% YoY -0.5% QoQ
-8.80% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.73%
-26.7% YoY +42.5% QoQ
-0.19% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 85.28%
-1.3% YoY +6.0% QoQ
+7.32% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 36.10%
-4.2% YoY +0.2% QoQ
+14.07% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 8.6% in tier
Nonperforming Asset Ratio ? 0.54%
-28.3% YoY +50.1% QoQ
-0.13% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 18.80%
+12.9% YoY -0.5% QoQ
+2.89% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.26%
-6.1% YoY +93.3% QoQ
-0.31% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
65%

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 36.1%
-1.6pp YoY
+0.1pp QoQ
 +14.0pp 22.1% 29.2% 22.2% 91%
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 19.8%
-0.1pp YoY
+0.2pp QoQ
 +8.3pp 11.6% 14.8% 12.5% 88%
CRE 19.2%
-0.1pp YoY
+1.5pp QoQ
 -20.3pp 39.5% 48.4% 41.4% 16%
1-4 Family 45.1%
+0.2pp YoY
-1.1pp QoQ
 +12.5pp 32.6% 25.8% 31.3% 77%
Consumer 4.8%
-0.3pp YoY
-0.1pp QoQ
 +0.7pp 4.1% 4.7% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 18.8%
+2.1pp YoY
-0.1pp QoQ
 0.0pp 18.8% 22.7% 19.7% 73%
Leverage Ratio 12.8%
+0.5pp YoY
+0.5pp QoQ
 +0.6pp 12.2% 12.6% 12.6% 73%
Total Capital Ratio 20.1%
+2.1pp YoY
-0.1pp QoQ
 +0.1pp 19.9% 23.8% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 31
-1 (-3.1%) YoY
0 QoQ
 -28 58 186 482 28%
Assets per Employee ($) $5.9M
+8.3% YoY
-2.1% QoQ
 -$1.6M $7.5M $10.1M $8.8M 31%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.1pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.3% 0.4% 74%
Nonaccrual 0.4%
-0.4pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 49%
Allowance Coverage 1.82x
+34.0% YoY
-31.6% QoQ
 -22.34x 24.15x 18.82x 20.23x 45%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 17.1%
-1.6pp YoY
+0.4pp QoQ
 +4.9pp 12.2% 13.2% 11.6% 78%
Cost of Funds (YTD) 0.9%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 8%
Net Income ($, YTD) $2.0M
+3.5% YoY
— QoQ
 -$587K $2.6M $15.9M $40.4M 51%

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 (1)

Deposit Franchise

growth
#177 of 278 • Top 63.3% 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: 36.10%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.58%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#265 of 742 • Bottom 35.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.80%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.28%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

228
Non-Interest-Bearing Deposit Share
funding
Value: 36.10%
Peer Median: 22.03%
#228 of 2643 Top 8.6% in $100M-$1B
285
Return on Assets
profitability
Value: 2.12%
Peer Median: 1.32%
#285 of 2643 Top 10.7% in $100M-$1B
436
Tier 1 Capital Ratio
capital
Value: 18.80%
Peer Median: 15.91%
#436 of 2643 Top 16.5% in $100M-$1B
469
Net Interest Margin
profitability
Value: 4.58%
Peer Median: 3.99%
#469 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (2 metrics)

2064
Total Assets
size
Value: $182.29M
Peer Median: $386.57M
#2064 of 2643 Bottom 21.9% in $100M-$1B
2028
Total Deposits
size
Value: $158.29M
Peer Median: $326.73M
#2028 of 2643 Bottom 23.3% in $100M-$1B
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