BlastPoint's Banking Scorecard
Kress National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 18892
Designations: ✓ Community bank
Kress, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Kress National Bank shows strong momentum with 4 strengths and 23.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 46.19% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 20.31% 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 ? |
$60.2M
+23.0% YoY
-1.2% QoQ
|
-$157.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$15.2M
-16.8% YoY
-19.8% QoQ
|
-$124.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$53.7M
+24.8% YoY
-1.6% QoQ
|
-$129.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.37%
+5.7% YoY
-7.7% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.52%
-3.8% YoY
-1.9% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
60.98%
-5.1% YoY
+3.7% QoQ
|
-6.75% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? | 0.00% | -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 ? |
28.33%
-33.3% YoY
-18.4% QoQ
|
-46.19% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.23%
-0.8% YoY
+34.6% QoQ
|
+5.83% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
29.16%
+21.0% YoY
+19.9% QoQ
|
+20.31% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.16%
-6.4% YoY
+41.1% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
28.33%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.16%
(Tier avg: 8.85%, National avg: 9.75%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.33% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.16% · Tier avg: 8.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.23% · Tier avg: 22.39%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 60.98% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
12
12th pctile
Total Deposits
Current: $53.7M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.2M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $15.2M · Tier avg: $139.2M
Top Weaknesses
5
5th pctile
Total Loans
Current: $15.2M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $60.2M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $53.7M · Tier avg: $183.7M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
64
64th pctile
Efficiency Ratio
Current: 60.98% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.23% · Tier avg: 22.39%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.16% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.33% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%