BlastPoint's Banking Scorecard
Inwood National Bank
Community
Specialty: Commercial
TX
FDIC cert 19080
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Inwood National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.24% below tier
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+0.7% YoY
+3.6% QoQ
|
+$3.2B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$2.5B
+3.6% YoY
+5.8% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$4.0B
+4.9% YoY
+3.7% QoQ
|
+$2.8B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.23%
+69.0% YoY
-1.2% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
2.43%
+41.9% YoY
+5.6% QoQ
|
-1.24% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
47.02%
-21.8% YoY
-1.0% QoQ
|
-15.61% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.56%
-25.4% YoY
-27.0% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
63.89%
-1.3% YoY
+2.0% QoQ
|
-19.17% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.74%
+2.0% YoY
+1.3% QoQ
|
+9.70% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-23.3% YoY
-25.4% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
15.10%
+4.0% YoY
-2.0% QoQ
|
+4.85% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.13%
-12.7% YoY
+29.8% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.43%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
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
99
99th pctile
Total Deposits
Current: $4.0B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
89
89th pctile
Efficiency Ratio
Current: 47.02% · Tier avg: 62.63%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.89% · Tier avg: 83.06%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.10% · Tier avg: 10.24%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.10% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.89% · Tier avg: 83.06%
89
89th pctile
Efficiency Ratio
Current: 47.02% · Tier avg: 62.63%
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $4.0B · Tier avg: $1.2B