BlastPoint's Banking Scorecard
Junction National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 15078
Designations: ✓ Community bank
Junction, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Junction National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.54% above tier
- + Tier 1 Capital Ratio 28.45% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 50.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.6M
+11.5% YoY
+2.4% QoQ
|
-$122.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$20.8M
-3.5% YoY
+1.4% QoQ
|
-$118.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$86.4M
+8.1% YoY
+2.2% QoQ
|
-$97.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.46%
-3.0% YoY
-2.6% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.26%
+1.6% YoY
+1.2% QoQ
|
-0.59% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
55.48%
+2.5% YoY
-3.0% QoQ
|
-12.25% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.00%
-82.7% YoY
-50.7% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
24.09%
-10.8% YoY
-0.8% QoQ
|
-50.44% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.93%
-1.7% YoY
-5.2% QoQ
|
+21.54% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-85.1% YoY
-51.2% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
37.30%
+11.1% YoY
-0.1% QoQ
|
+28.45% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.43%
-15.1% YoY
+29.5% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.93%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.30%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
24.09%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Tier 1 Capital Ratio
Current: 37.30% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.93% · Tier avg: 22.39%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
80
80th pctile
Efficiency Ratio
Current: 55.48% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
24
24th pctile
Total Deposits
Current: $86.4M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.6M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.8M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.09% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 24.09% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $20.8M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $94.6M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.4M · Tier avg: $183.7M
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.48% · Tier avg: 67.73%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.93% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.30% · Tier avg: 8.85%