BlastPoint's Banking Scorecard
The First National Bank of Winnsboro
Winnsboro, TX
3 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 -0.8% year over year ($121.4M on the books).
- Delinquency rate 1.11%.
- Return on assets 1.92%.
- Efficiency ratio 55.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Winnsboro has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 23.7% in tier
- + Revenue Diversifier: Top 49.9% in tier
- + ROA 0.60% above tier average
- + Efficiency Ratio 8.56% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 20.0% in tier
- - Liquidity Overhang: Bottom 22.9% in tier
- - Margin Compression: Bottom 72.0% in tier
- - Delinquency Rate 0.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.2M
-1.3% YoY
+1.3% QoQ
|
-$228.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$100.3M
+4.7% YoY
+3.8% QoQ
|
-$158.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$121.4M
-0.8% YoY
+0.5% QoQ
|
-$205.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.4% in tier |
| Return on Assets ? |
1.92%
-7.4% YoY
+9.2% QoQ
|
+0.60% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
85% |
| Net Interest Margin ? |
5.19%
-0.7% YoY
+2.1% QoQ
|
+1.20% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
55.92%
+7.4% YoY
-4.6% QoQ
|
-8.56% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
1.11%
+64.9% QoQ
|
+0.20% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
82.59%
+5.6% YoY
+3.3% QoQ
|
+4.64% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
34.88%
-7.9% YoY
-2.1% QoQ
|
+12.85% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 10.0% in tier |
| Nonperforming Asset Ratio ? |
0.71%
+69.0% QoQ
|
+0.04% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
22.72%
+5.2% YoY
+1.0% QoQ
|
+6.81% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 9.4% in tier |
| Non-Interest Income / Assets ? |
0.34%
+9.8% YoY
+116.0% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
34.9%
-3.0pp YoY -0.8pp QoQ |
+12.7pp | 22.1% | 29.2% | 22.2% | 90% |
| 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 |
8.2%
+1.1pp YoY +0.6pp QoQ |
-3.3pp | 11.6% | 14.8% | 12.5% | 42% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
25.4%
-2.3pp YoY -0.1pp QoQ |
-7.3pp | 32.6% | 25.8% | 31.3% | 41% |
| Consumer |
2.8%
-0.3pp YoY -0.3pp QoQ |
-1.3pp | 4.1% | 4.7% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
22.7%
+1.1pp YoY +0.2pp QoQ |
+10.5pp | 12.2% | 12.6% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
+1 (+3.6%) YoY -1 (-3.3%) QoQ |
-30 | 58 | 186 | 482 | 25% |
| Assets per Employee ($) |
$5.5M
-4.7% YoY +4.8% QoQ |
-$2.1M | $7.5M | $10.1M | $8.8M | 22% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.1%
+1.1pp YoY +0.6pp QoQ |
+0.2pp | 0.9% | 1.0% | 1.0% | 74% |
| Allowance Coverage |
1.16x
-98.3% YoY -41.8% QoQ |
-22.99x | 24.15x | 18.82x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
-1.6pp YoY +0.7pp QoQ |
-3.0pp | 12.2% | 13.2% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$1.5M
-9.5% YoY — QoQ |
-$1.0M | $2.6M | $15.9M | $40.4M | 42% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.