BlastPoint's Banking Scorecard
Zapata National Bank
Micro
Specialty: Other
TX
FDIC cert 18454
Designations: ✓ Community bank
Zapata, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Zapata National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest Income / Assets 0.39% 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 ? |
$85.8M
+0.2% YoY
+3.0% QoQ
|
-$131.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$36.8M
-2.3% YoY
-1.8% QoQ
|
-$102.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$72.8M
-1.1% YoY
+3.8% QoQ
|
-$110.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.97%
+15.9% YoY
+8.6% QoQ
|
+0.89% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
3.87%
+3.1% YoY
+1.2% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
56.75%
-3.8% YoY
-1.3% QoQ
|
-10.98% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.58%
-1.1% YoY
-5.4% QoQ
|
-23.95% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.98%
+1.6% YoY
-3.1% QoQ
|
+1.59% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.15%
-15.6% YoY
-17.6% QoQ
|
+0.69% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
16% |
| 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 ? |
0.95%
+52.0% YoY
+73.0% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.97%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.58% · Tier avg: 74.53%
77
77th pctile
Efficiency Ratio
Current: 56.75% · Tier avg: 67.73%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.98% · Tier avg: 22.39%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
19
19th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
14
14th pctile
Total Loans
Current: $36.8M · Tier avg: $139.2M
Top Weaknesses
14
14th pctile
Total Loans
Current: $36.8M · Tier avg: $139.2M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.98% · Tier avg: 22.39%
77
77th pctile
Efficiency Ratio
Current: 56.75% · Tier avg: 67.73%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.58% · Tier avg: 74.53%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%