BlastPoint's Banking Scorecard
Texas First Bank
Community
Specialty: Commercial
TX
FDIC cert 23799
Texas City, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7% in Community
- + Non-Interest-Bearing Deposit Share 14.08% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11% in Community
- - Credit Risk Growth: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+2.4% YoY
+1.6% QoQ
|
+$966.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$1.3B
+4.6% YoY
-2.8% QoQ
|
+$305.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$2.1B
+1.2% YoY
+1.6% QoQ
|
+$892.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.47%
+32.7% YoY
+4.7% QoQ
|
+0.31% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.71%
+15.5% YoY
+2.6% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
61.11%
-8.1% YoY
-3.3% QoQ
|
-1.53% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.14%
+40.2% YoY
-18.3% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
62.25%
+3.4% YoY
-4.4% QoQ
|
-20.81% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.13%
-6.5% YoY
-5.6% QoQ
|
+14.08% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+43.2% YoY
-21.8% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
15.45%
+6.4% YoY
+7.4% QoQ
|
+5.21% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.53%
-1.4% YoY
+52.0% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#27 of 371 · Top 7% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.13%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Credit Quality Pressure
risk
#88 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#89 of 642 · Bottom 14% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.13% · Tier avg: 21.05%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.25% · Tier avg: 83.06%
85
85th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 10.24%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
53
53th pctile
Efficiency Ratio
Current: 61.11% · Tier avg: 62.63%
53
53th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
Top Weaknesses
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
53
53th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
53
53th pctile
Efficiency Ratio
Current: 61.11% · Tier avg: 62.63%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 10.24%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.25% · Tier avg: 83.06%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.13% · Tier avg: 21.05%