BlastPoint's Banking Scorecard

T Bank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 57703

Designations: ✓ Community bank

Dallas, TX

2 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

T Bank, National Association has 2 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

+ Revenue Diversifier: Top 23.1% in tier
+ Net Interest Margin 0.65% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 33.9% in tier
- Delinquency Rate 2.85% above tier average
- Non-Interest-Bearing Deposit Share 14.44% below tier average
- Nonperforming Asset Ratio 2.89% above tier average
- Efficiency Ratio 6.76% 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 ?	$1.0B +16.2% YoY +6.9% QoQ	-$1.8B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 4.9% in tier
Total Loans ?	$866.9M +15.1% YoY +5.3% QoQ	-$1.1B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$902.1M +19.4% YoY +7.4% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 6.9% in tier
Return on Assets ?	1.37% -5.6% YoY -10.2% QoQ	+0.01%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	4.47% +0.4% YoY -5.3% QoQ	+0.65%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 12.6% in tier
Efficiency Ratio ?	67.82% -2.5% YoY +3.7% QoQ	+6.76%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	3.74% +38.5% YoY -5.5% QoQ	+2.85%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 2.6% in tier
Loan-to-Deposit Ratio ?	96.10% -3.7% YoY -2.0% QoQ	+11.89%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	6.85% -7.2% YoY -6.5% QoQ	-14.44%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 6.7% in tier
Nonperforming Asset Ratio ?	3.56% +57.8% YoY +7.1% QoQ	+2.89%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 1.2% in tier
Tier 1 Capital Ratio ?	16.58% +2.1% YoY -1.9% QoQ	+1.42%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.72% -7.8% YoY -72.8% QoQ	+0.46%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 4.2% in tier

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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)

Revenue Diversifier

growth

#52 of 221 • Top 23.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.72%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.37%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#60 of 174 • Bottom 33.9% 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: 16.58%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.10%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.72%

Peer Median: 0.26%

#38 of 884 Top 4.2% in $1B-$10B

112

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.82%

#112 of 884 Top 12.6% in $1B-$10B

141

Tier 1 Capital Ratio

capital

Value: 16.58%

Peer Median: 15.16%

#141 of 884 Top 15.8% in $1B-$10B

Top Weaknesses (7 metrics)

874

Nonperforming Asset Ratio

credit_quality

Value: 3.56%

Peer Median: 0.67%

#874 of 884 Bottom 1.2% in $1B-$10B

858

Delinquency Rate

credit_quality

Value: 3.74%

Peer Median: 0.89%

#858 of 880 Bottom 2.6% in $1B-$10B

842

Total Assets

size

Value: $1.05B

Peer Median: $2.82B

#842 of 884 Bottom 4.9% in $1B-$10B

826

Non-Interest-Bearing Deposit Share

funding

Value: 6.85%

Peer Median: 21.29%

#826 of 884 Bottom 6.7% in $1B-$10B

824

Total Deposits

size

Value: $902.12M

Peer Median: $2.34B

#824 of 884 Bottom 6.9% in $1B-$10B

701

Total Loans

size

Value: $866.93M

Peer Median: $1.96B

#701 of 884 Bottom 20.8% in $1B-$10B

692

Loan-to-Deposit Ratio

liquidity

Value: 96.10%

Peer Median: 84.20%

#692 of 884 Bottom 21.8% in $1B-$10B