BlastPoint's Banking Scorecard
TXN Bank
Community
Specialty: Commercial
TX
FDIC cert 15345
Hondo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
TXN Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.2M
+6.3% YoY
+2.1% QoQ
|
-$741.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$339.7M
+9.7% YoY
-0.7% QoQ
|
-$635.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$595.9M
+6.2% YoY
+1.8% QoQ
|
-$568.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.66%
+17.9% YoY
+9.2% QoQ
|
-0.50% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.36%
+26.9% YoY
+2.3% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
75.26%
-6.2% YoY
+2.5% QoQ
|
+12.63% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.16%
+118.4% YoY
-6.8% QoQ
|
+0.53% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
57.01%
+3.2% YoY
-2.4% QoQ
|
-26.05% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.68%
-1.0% YoY
-0.7% QoQ
|
+5.63% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.63%
+49.0% YoY
-6.6% QoQ
|
+0.13% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
15.70%
-2.3% YoY
+3.1% QoQ
|
+5.46% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.66%
-2.9% YoY
+35.5% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
57.01%
(Tier avg: 83.06%, 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
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.68% · Tier avg: 21.05%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
27
27th pctile
Total Deposits
Current: $595.9M · Tier avg: $1.2B
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
21
21th pctile
Total Assets
Current: $650.2M · Tier avg: $1.4B
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 75.26% · Tier avg: 62.63%
7
7th pctile
Total Loans
Current: $339.7M · Tier avg: $975.5M
7
7th pctile
Loan-to-Deposit Ratio
Current: 57.01% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 57.01% · Tier avg: 83.06%
7
7th pctile
Total Loans
Current: $339.7M · Tier avg: $975.5M
17
17th pctile
Efficiency Ratio
Current: 75.26% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
21
21th pctile
Total Assets
Current: $650.2M · Tier avg: $1.4B
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
27
27th pctile
Total Deposits
Current: $595.9M · Tier avg: $1.2B
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.68% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.70% · Tier avg: 10.24%