BlastPoint's Banking Scorecard

The First National Bank of Winnsboro

$100M-$1B Specialty: Commercial TX FDIC cert 5590

Winnsboro, TX

3 branches across TX

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

The First National Bank of Winnsboro has 4 strengths but faces 5 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

+ Deposit Franchise: Top 24.3% in tier
+ ROA 0.49% above tier average
+ Efficiency Ratio 6.69% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 13.4% in tier
- Liquidity Overhang: Bottom 24.4% in tier
- Cost Spiral: Bottom 26.2% in tier
- Margin Compression: Bottom 40.0% in tier
- Credit Quality Pressure: Bottom 42.0% in tier

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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 ?	$156.2M -3.4% YoY +0.2% QoQ	-$229.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$96.6M -0.1% YoY +6.6% QoQ	-$159.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$120.8M -1.8% YoY +0.5% QoQ	-$207.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 12.0% in tier
Return on Assets ?	1.76% -15.2% YoY -9.8% QoQ	+0.49%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	5.08% -1.8% YoY -4.6% QoQ	+1.15%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 6.0% in tier
Efficiency Ratio ?	58.59% +13.0% YoY +4.2% QoQ	-6.69%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.68% +47.9% YoY +717.1% QoQ	-0.21%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	79.97% +1.7% YoY +6.0% QoQ	+3.33%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	35.63% -7.6% YoY -0.9% QoQ	+13.61%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 9.1% in tier
Nonperforming Asset Ratio ?	0.42% +52.9% YoY +768.9% QoQ	-0.22%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	22.50% +8.0% YoY +4.4% QoQ	+6.67%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 9.2% in tier
Non-Interest Income / Assets ?	0.16% +3.9% YoY -76.8% QoQ	-0.12%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	77%

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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)

Deposit Franchise

growth

#67 of 272 • Top 24.3% 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: 35.63%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.08%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (5)

Deposit Outflow

decline

#69 of 506 • Bottom 13.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Liquidity Overhang

risk

#181 of 739 • Bottom 24.4% 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: 22.50%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 79.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Cost Spiral

risk

#34 of 126 • Bottom 26.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 58.59%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#123 of 305 • Bottom 40.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.76%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#550 of 1308 • Bottom 42.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.68%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

161

Net Interest Margin

profitability

Value: 5.08%

Peer Median: 3.93%

#161 of 2664 Top 6.0% in $100M-$1B

243

Non-Interest-Bearing Deposit Share

funding

Value: 35.63%

Peer Median: 22.02%

#243 of 2664 Top 9.1% in $100M-$1B

247

Tier 1 Capital Ratio

capital

Value: 22.50%

Peer Median: 15.83%

#247 of 2664 Top 9.2% in $100M-$1B

539

Return on Assets

profitability

Value: 1.76%

Peer Median: 1.27%

#539 of 2664 Top 20.2% in $100M-$1B

623

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2344

Total Deposits

size

Value: $120.80M

Peer Median: $327.97M

#2344 of 2664 Bottom 12.0% in $100M-$1B

2235

Total Assets

size

Value: $156.16M

Peer Median: $386.08M

#2235 of 2664 Bottom 16.1% in $100M-$1B

2172

Total Loans

size

Value: $96.60M

Peer Median: $255.72M

#2172 of 2664 Bottom 18.5% in $100M-$1B