BlastPoint's Banking Scorecard

Fannin Bank

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

Bonham, TX

2 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 +5.5% year over year ($147.1M on the books).
Delinquency rate 1.06%.
Return on assets 1.46%.
Efficiency ratio 70.64% vs a 64.48% peer average.
Loan-to-deposit ratio 55.22% 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) →

Fannin Bank has 1 strength but faces 3 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

+ ROA 0.14% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 49.6% in tier
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 6.16% above tier average

Get updates when Fannin Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$159.1M +7.5% YoY +4.0% QoQ	-$227.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$81.3M +2.7% YoY +0.4% QoQ	-$177.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 11.0% in tier
Total Deposits ?	$147.1M +5.5% YoY +4.4% QoQ	-$179.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	1.46% +52.5% YoY -28.2% QoQ	+0.14%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	3.78% +8.6% YoY -0.7% QoQ	-0.20%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	41%
Efficiency Ratio ?	70.64% -4.2% YoY -0.2% QoQ	+6.16%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	1.06% +262.3% YoY +908.1% QoQ	+0.14%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	55.22% -2.6% YoY -3.9% QoQ	-22.73%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 12.7% in tier
Non-Interest-Bearing Deposit Share ?	31.83% -2.7% YoY -1.6% QoQ	+9.80%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 14.8% in tier
Nonperforming Asset Ratio ?	0.54% +246.5% YoY +872.9% QoQ	-0.13%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	16.15% +5.5% YoY -2.9% QoQ	+0.24%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.26% -20.9% YoY +93.2% 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	31.8% -0.9pp YoY -0.5pp QoQ	+9.7pp	22.1%	29.2%	22.2%	85%
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	12.0% +1.3pp YoY +2.6pp QoQ	+0.4pp	11.6%	14.8%	12.5%	63%
CRE	20.6% +0.8pp YoY -0.3pp QoQ	-18.9pp	39.5%	48.4%	41.4%	19%
1-4 Family	42.7% +2.2pp YoY +0.2pp QoQ	+10.1pp	32.6%	25.8%	31.3%	74%
Consumer	3.1% +0.1pp YoY +0.1pp QoQ	-1.0pp	4.1%	4.7%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	16.1% +0.8pp YoY -0.5pp QoQ	-2.7pp	18.8%	22.7%	19.7%	59%
Leverage Ratio	8.6% +0.2pp YoY -0.3pp QoQ	-3.6pp	12.2%	12.6%	12.6%	7%
Total Capital Ratio	17.4% +0.8pp YoY -0.5pp QoQ	-2.5pp	19.9%	23.8%	20.8%	59%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	28 0 YoY 0 QoQ	-31	58	186	482	24%
Assets per Employee ($)	$5.7M +7.5% YoY +4.0% QoQ	-$1.8M	$7.5M	$10.1M	$8.8M	27%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.5%	+0.1pp	0.3%	0.3%	0.4%	82%
Nonaccrual	0.6% +0.3pp YoY +0.5pp QoQ	-0.3pp	0.9%	1.0%	1.0%	57%
Allowance Coverage	1.65x -72.9% YoY -90.1% QoQ	-22.51x	24.15x	18.82x	20.23x	42%
Net Charge-off Rate (YTD)	0.1% +0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	22.2% +0.8pp YoY -8.6pp QoQ	+10.0pp	12.2%	13.2%	11.6%	93%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	75%
Net Income ($, YTD)	$1.1M +61.7% YoY — QoQ	-$1.4M	$2.6M	$15.9M	$40.4M	30%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#465 of 936 • Bottom 49.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

337

Loan-to-Deposit Ratio

liquidity

Value: 55.22%

Peer Median: 77.95%

#337 of 2643 Top 12.7% in $100M-$1B

391

Non-Interest-Bearing Deposit Share

funding

Value: 31.83%

Peer Median: 22.03%

#391 of 2643 Top 14.8% in $100M-$1B

Top Weaknesses (3 metrics)

2353

Total Loans

size

Value: $81.25M

Peer Median: $258.35M

#2353 of 2643 Bottom 11.0% in $100M-$1B

2199

Total Assets

size

Value: $159.09M

Peer Median: $386.57M

#2199 of 2643 Bottom 16.8% in $100M-$1B

2095

Total Deposits

size

Value: $147.14M

Peer Median: $326.73M

#2095 of 2643 Bottom 20.8% in $100M-$1B