BlastPoint's Banking Scorecard
First National Bank of Burleson
Micro
Specialty: Commercial
TX
FDIC cert 23430
Designations: ✓ Community bank
Burleson, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Burleson has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.76% above tier
- + Efficiency Ratio 29.71% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.1M
+2.8% YoY
+0.8% QoQ
|
+$51.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$100.9M
-5.8% YoY
+4.0% QoQ
|
-$38.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$238.2M
+3.2% YoY
+1.7% QoQ
|
+$54.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.85%
-13.0% YoY
-1.8% QoQ
|
+1.76% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.51%
-11.8% YoY
-0.8% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
38.01%
+12.0% YoY
-0.6% QoQ
|
-29.71% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| 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 ? |
42.37%
-8.7% YoY
+2.3% QoQ
|
-32.16% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.07%
-7.0% YoY
-2.3% QoQ
|
+13.67% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-6.0% YoY
+33.5% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.85%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.01%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
42.37%
(Tier avg: 74.53%, National avg: 78.04%)
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%
99
99th pctile
Efficiency Ratio
Current: 38.01% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.85% · Tier avg: 1.08%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.07% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
68
68th pctile
Total Deposits
Current: $238.2M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $269.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Loans
Current: $100.9M · Tier avg: $139.2M
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.37% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.37% · Tier avg: 74.53%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
43
43th pctile
Total Loans
Current: $100.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Total Assets
Current: $269.1M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $238.2M · Tier avg: $183.7M
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.07% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.85% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 38.01% · Tier avg: 67.73%
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%