BlastPoint's Banking Scorecard
First Texas Bank
Community
Specialty: Commercial
TX
FDIC cert 11935
Georgetown, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Texas Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16% in Community
- + Profitability Leader: Top 49% in Community
- + Efficiency Ratio 18.21% below tier
- + Loan-to-Deposit Ratio 31.97% below tier
- + Non-Interest-Bearing Deposit Share 22.58% above tier
- + Tier 1 Capital Ratio 9.21% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+1.1% YoY
-4.2% QoQ
|
-$95.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$585.8M
+13.3% YoY
+1.1% QoQ
|
-$389.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$1.1B
+0.8% YoY
-4.7% QoQ
|
-$18.0M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.54%
+31.2% YoY
+6.4% QoQ
|
+0.38% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.33%
+14.4% YoY
+3.8% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
44.42%
-15.2% YoY
-3.3% QoQ
|
-18.21% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.06%
+192.7% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
51.09%
+12.4% YoY
+6.1% QoQ
|
-31.97% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.62%
+5.2% YoY
+4.6% QoQ
|
+22.58% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+208.9% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
19.45%
-3.1% YoY
+1.5% QoQ
|
+9.21% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.33%
+2.6% YoY
+39.3% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (6)
Credit Quality Leader
growth
#59 of 371 · Top 16% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#183 of 371 · Top 49% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.54%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.42%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
51.09%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
43.62%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.45%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Credit Quality Pressure
risk
#87 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.62% · Tier avg: 21.05%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.09% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%
92
92th pctile
Efficiency Ratio
Current: 44.42% · Tier avg: 62.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
40
40th pctile
Total Loans
Current: $585.8M · Tier avg: $975.5M
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
40
40th pctile
Total Loans
Current: $585.8M · Tier avg: $975.5M
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
92
92th pctile
Efficiency Ratio
Current: 44.42% · Tier avg: 62.63%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.09% · Tier avg: 83.06%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.62% · Tier avg: 21.05%