BlastPoint's Banking Scorecard
The MINT National Bank
Kingwood, 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 -6.3% year over year ($306.5M on the books).
- Delinquency rate 2.86%.
- Return on assets 1.44%.
- Efficiency ratio 62.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The MINT National Bank has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.95% above tier average
- + ROA 0.12% above tier average
- + Efficiency Ratio 1.59% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 15.3% in tier
- - Liquidity Strain: Bottom 16.1% in tier
- - Liquidity Overhang: Bottom 20.1% in tier
- - Capital Constraint: Bottom 75.7% in tier
- - Delinquency Rate 1.94% above tier average
- - Non-Interest-Bearing Deposit Share 13.10% below tier average
- - Nonperforming Asset Ratio 3.75% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$388.9M
-4.3% YoY
-1.0% QoQ
|
+$2.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$309.0M
-3.0% YoY
+0.5% QoQ
|
+$50.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$306.5M
-6.3% YoY
-1.8% QoQ
|
-$20.3M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.44%
+5.8% YoY
+9.4% QoQ
|
+0.12% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
4.94%
+3.5% YoY
-0.4% QoQ
|
+0.95% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 8.9% in tier |
| Efficiency Ratio ? |
62.89%
+6.8% YoY
-0.7% QoQ
|
-1.59% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
2.86%
+39.6% YoY
-16.7% QoQ
|
+1.94% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.9% in tier |
| Loan-to-Deposit Ratio ? |
100.82%
+3.4% YoY
+2.4% QoQ
|
+22.87% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.93%
-3.4% YoY
+0.7% QoQ
|
-13.10% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.5% in tier |
| Nonperforming Asset Ratio ? |
4.42%
+26.5% YoY
+24.2% QoQ
|
+3.75% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.4% in tier |
| Tier 1 Capital Ratio ? |
18.35%
+13.6% YoY
+4.0% QoQ
|
+2.44% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.26%
-13.3% YoY
+137.1% 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
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 |
8.9%
-0.3pp YoY +0.1pp QoQ |
-13.2pp | 22.1% | 29.2% | 22.2% | 8% |
| 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 |
11.9%
-3.1pp YoY +0.4pp QoQ |
+0.4pp | 11.6% | 14.8% | 12.5% | 63% |
| CRE |
85.9%
+5.1pp YoY 0.0pp QoQ |
+46.3pp | 39.5% | 48.4% | 41.4% | 99% |
| 1-4 Family |
4.8%
-1.9pp YoY -0.4pp QoQ |
-27.9pp | 32.6% | 25.8% | 31.3% | 5% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 4.7% | 5.0% | 4% |
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 |
18.3%
+2.2pp YoY +0.7pp QoQ |
+6.2pp | 12.2% | 12.6% | 12.6% | 95% |
| 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 |
40
-1 (-2.4%) YoY -2 (-4.8%) QoQ |
-19 | 58 | 186 | 482 | 41% |
| Assets per Employee ($) |
$9.7M
-1.9% YoY +4.0% QoQ |
+$2.2M | $7.5M | $10.1M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.9%
+0.8pp YoY -0.6pp QoQ |
+1.9pp | 0.9% | 1.0% | 1.0% | 93% |
| Allowance Coverage |
0.92x
-24.0% YoY +19.5% QoQ |
-23.23x | 24.15x | 18.82x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.9pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
-0.9pp YoY +0.6pp QoQ |
-4.1pp | 12.2% | 13.2% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.6%
-0.6pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.6% | 1.7% | 91% |
| Net Income ($, YTD) |
$2.8M
-2.2% YoY — QoQ |
+$286K | $2.6M | $15.9M | $40.4M | 68% |
Get Full Access to The MINT National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.