BlastPoint's Banking Scorecard
Haskell National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 14399
Designations: ✓ Community bank
Haskell, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Haskell National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.82% below tier
- + Non-Interest-Bearing Deposit Share 24.34% above tier
- + Tier 1 Capital Ratio 20.84% 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 ? |
$74.2M
+0.0% YoY
+0.2% QoQ
|
-$143.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$25.7M
+5.7% YoY
-5.2% QoQ
|
-$113.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$64.8M
-2.2% YoY
+0.1% QoQ
|
-$118.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.73%
+17.9% YoY
-2.7% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.67%
+14.5% YoY
+1.7% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
81.34%
-2.6% YoY
+1.2% QoQ
|
+13.62% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.18%
+97.9% YoY
+94.0% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
39.70%
+8.1% YoY
-5.3% QoQ
|
-34.82% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.74%
-4.3% YoY
-7.2% QoQ
|
+24.34% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+109.0% YoY
+83.7% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
29.69%
-0.8% YoY
+1.5% QoQ
|
+20.84% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.65%
-23.0% YoY
+32.7% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
39.70%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.74%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.69%
(Tier avg: 8.85%, National avg: 9.75%)
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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.74% · Tier avg: 22.39%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.69% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.70% · Tier avg: 74.53%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 81.34% · Tier avg: 67.73%
15
15th pctile
Total Deposits
Current: $64.8M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.2M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $25.7M · Tier avg: $139.2M
Top Weaknesses
9
9th pctile
Total Loans
Current: $25.7M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $74.2M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.8M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.34% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.70% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.69% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.74% · Tier avg: 22.39%