BlastPoint's Banking Scorecard
Community National Bank & Trust of Texas
Community
Specialty: Commercial
TX
FDIC cert 18185
Corsicana, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Community National Bank & Trust of Texas shows strong momentum with 2 strengths and 25.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 52% in Community
- + Delinquency Rate 0.60% below 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 ? |
$1.6B
+25.6% YoY
-0.4% QoQ
|
+$231.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.2B
+34.6% YoY
+2.6% QoQ
|
+$196.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.4B
+26.9% YoY
-0.9% QoQ
|
+$205.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.25%
-5.3% YoY
+5.8% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.54%
+9.6% YoY
-7.7% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
63.75%
+5.3% YoY
-7.9% QoQ
|
+1.12% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.03%
-96.8% YoY
-16.7% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
85.59%
+6.0% YoY
+3.6% QoQ
|
+2.53% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
33.49%
-7.8% YoY
+2.6% QoQ
|
+12.44% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-35.1% YoY
-3.8% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.83%
-18.5% YoY
-0.2% QoQ
|
+2.59% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.70%
+3.0% YoY
+37.9% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#79 of 150 · Top 52% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.49%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.54%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
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
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.49% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.59% · Tier avg: 83.06%
45
45th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 62.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
Top Weaknesses
43
43th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
45
45th pctile
Efficiency Ratio
Current: 63.75% · Tier avg: 62.63%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.59% · Tier avg: 83.06%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.49% · Tier avg: 21.05%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%