BlastPoint's Banking Scorecard

Fannin Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 5589

Bonham, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Fannin Bank has 2 strengths but faces 2 concerns

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

+ Profitability Leader: Top 10.2% in tier
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below tier average
- Efficiency Ratio 5.51% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$153.0M +5.2% YoY +3.0% QoQ	-$233.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 15.0% in tier
Total Loans ?	$81.0M +2.0% YoY +5.1% QoQ	-$174.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 11.6% in tier
Total Deposits ?	$140.9M +2.8% YoY +2.3% QoQ	-$187.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	2.04% +127.1% YoY +105.1% QoQ	+0.77%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 11.6% in tier
Net Interest Margin ?	3.81% +13.6% YoY +7.4% QoQ	-0.12%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	70.80% -6.7% YoY -4.1% QoQ	+5.51%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.10% -59.6% YoY -29.6% QoQ	-0.78%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	57.44% -0.7% YoY +2.7% QoQ	-19.20%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	32.34% -5.3% YoY +1.1% QoQ	+10.32%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 13.4% in tier
Nonperforming Asset Ratio ?	0.06% -60.8% YoY -28.3% QoQ	-0.58%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	16.63% +8.9% YoY +1.1% QoQ	+0.80%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.13% -26.1% YoY -79.7% QoQ	-0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Profitability Leader

growth

#69 of 666 • Top 10.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.04%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

309

Return on Assets

profitability

Value: 2.04%

Peer Median: 1.27%

#309 of 2664 Top 11.6% in $100M-$1B

359

Non-Interest-Bearing Deposit Share

funding

Value: 32.34%

Peer Median: 22.02%

#359 of 2664 Top 13.4% in $100M-$1B

430

Loan-to-Deposit Ratio

liquidity

Value: 57.44%

Peer Median: 76.64%

#430 of 2664 Top 16.1% in $100M-$1B

616

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#616 of 2664 Top 23.1% in $100M-$1B

654

Tier 1 Capital Ratio

capital

Value: 16.63%

Peer Median: 15.83%

#654 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (3 metrics)

2355

Total Loans

size

Value: $80.96M

Peer Median: $255.72M

#2355 of 2664 Bottom 11.6% in $100M-$1B

2266

Total Assets

size

Value: $152.97M

Peer Median: $386.08M

#2266 of 2664 Bottom 15.0% in $100M-$1B

2174

Total Deposits

size

Value: $140.95M

Peer Median: $327.97M

#2174 of 2664 Bottom 18.4% in $100M-$1B