BlastPoint's Banking Scorecard
The MINT National Bank
Kingwood, TX
The MINT National Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Efficiency Ratio 1.94% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.7% in tier
- - Deposit Outflow: Bottom 9.3% in tier
- - Liquidity Overhang: Bottom 22.7% in tier
- - Capital Constraint: Bottom 65.7% in tier
- - Delinquency Rate 2.54% above tier average
- - Non-Interest-Bearing Deposit Share 13.15% below tier average
- - Nonperforming Asset Ratio 2.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.8M
-8.2% YoY
-2.2% QoQ
|
+$6.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$307.3M
-7.1% YoY
-2.9% QoQ
|
+$51.6M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$312.0M
-10.9% YoY
-2.3% QoQ
|
-$16.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.32%
+5.8% YoY
-11.5% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.96%
+7.9% YoY
+2.6% QoQ
|
+1.03% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 7.7% in tier |
| Efficiency Ratio ? |
63.34%
+8.3% YoY
+5.7% QoQ
|
-1.94% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
3.43%
+72.0% YoY
-6.5% QoQ
|
+2.54% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.7% in tier |
| Loan-to-Deposit Ratio ? |
98.50%
+4.2% YoY
-0.7% QoQ
|
+21.86% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.87%
-12.7% YoY
+13.9% QoQ
|
-13.15% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
3.56%
+5.4% YoY
-11.7% QoQ
|
+2.92% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.8% in tier |
| Tier 1 Capital Ratio ? |
17.65%
+20.0% YoY
+3.3% QoQ
|
+1.82% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.11%
-9.2% YoY
-81.6% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.
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.