BlastPoint's Banking Scorecard
First National Bank of Fort Stockton
Micro
Specialty: Commercial
TX
FDIC cert 17913
Designations: ✓ Community bank
Fort Stockton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Fort Stockton has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.32% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.9M
+13.4% YoY
-24.0% QoQ
|
-$60.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$77.6M
-2.2% YoY
-2.9% QoQ
|
-$61.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$141.2M
+17.8% YoY
-26.1% QoQ
|
-$42.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.99%
-26.7% YoY
+5.0% QoQ
|
-0.09% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
4.53%
-7.8% YoY
+3.3% QoQ
|
+0.68% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
76.69%
+4.6% YoY
+0.5% QoQ
|
+8.96% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.03%
-97.3% YoY
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
55.00%
-17.0% YoY
+31.4% QoQ
|
-19.53% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
38.71%
-19.2% YoY
+28.6% QoQ
|
+16.32% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
3.34%
+416.2% YoY
+32.1% QoQ
|
+2.89% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.82%
+54.7% YoY
+57.8% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.71%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.34%
(Tier avg: 0.45%, National avg: 0.48%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.71% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
43
43th pctile
Total Deposits
Current: $141.2M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $156.9M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $77.6M · Tier avg: $139.2M
26
26th pctile
Efficiency Ratio
Current: 76.69% · Tier avg: 67.73%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.00% · Tier avg: 74.53%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.34% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.34% · Tier avg: 0.45%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.00% · Tier avg: 74.53%
26
26th pctile
Efficiency Ratio
Current: 76.69% · Tier avg: 67.73%
33
33th pctile
Total Loans
Current: $77.6M · Tier avg: $139.2M
40
40th pctile
Total Assets
Current: $156.9M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $141.2M · Tier avg: $183.7M
46
46th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Net Interest Margin
Current: 4.53% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.71% · Tier avg: 22.39%