BlastPoint's Banking Scorecard
The First National Bank in Falfurrias
Micro
Specialty: Other
TX
FDIC cert 14095
Designations: ✓ Community bank
Falfurrias, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank in Falfurrias shows strong momentum with 2 strengths and 17.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 47.21% below tier
- + Non-Interest-Bearing Deposit Share 28.72% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.9M
+17.1% YoY
+16.6% QoQ
|
-$127.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$22.4M
-3.9% YoY
+1.8% QoQ
|
-$116.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$82.1M
+19.0% YoY
+18.9% QoQ
|
-$101.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.85%
-16.7% YoY
-7.9% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.54%
-8.2% YoY
-2.9% QoQ
|
+0.69% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
59.34%
+7.5% YoY
+3.7% QoQ
|
-8.39% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.12%
-39.3% YoY
-16.6% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
27.32%
-19.2% YoY
-14.4% QoQ
|
-47.21% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
51.11%
+16.3% YoY
+11.9% QoQ
|
+28.72% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-50.2% YoY
-27.2% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.38%
-22.9% YoY
+14.4% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
27.32%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
51.11%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.32% · Tier avg: 74.53%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.11% · Tier avg: 22.39%
86
86th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
69
69th pctile
Efficiency Ratio
Current: 59.34% · Tier avg: 67.73%
68
68th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Total Deposits
Current: $82.1M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.9M · Tier avg: $217.5M
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
Top Weaknesses
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.9M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
68
68th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
69
69th pctile
Efficiency Ratio
Current: 59.34% · Tier avg: 67.73%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.11% · Tier avg: 22.39%
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.32% · Tier avg: 74.53%