BlastPoint's Banking Scorecard
Texas National Bank of Jacksonville
Community
Specialty: Commercial
TX
FDIC cert 26181
Jacksonville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas National Bank of Jacksonville faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 22% in Community
- - Liquidity Overhang: Bottom 37% in Community
- - Capital Constraint: Bottom 54% in Community
- - Nonperforming Asset Ratio 1.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$834.8M
-1.9% YoY
-4.4% QoQ
|
-$556.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$660.0M
-4.9% YoY
-3.1% QoQ
|
-$315.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$736.5M
-3.3% YoY
-4.9% QoQ
|
-$428.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.11%
+30.5% YoY
+0.6% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.01%
+21.4% YoY
+2.4% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
55.77%
-14.5% YoY
-0.8% QoQ
|
-6.86% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
1.72%
+161.3% YoY
-6.8% QoQ
|
+1.09% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
89.62%
-1.7% YoY
+1.9% QoQ
|
+6.55% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
20.11%
+9.2% YoY
-1.5% QoQ
|
-0.93% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.57%
+193.9% YoY
+9.5% QoQ
|
+1.07% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
16.79%
+11.2% YoY
+2.6% QoQ
|
+6.54% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.25%
-2.0% YoY
+40.3% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Flatlined Growth
risk
#55 of 245 · Bottom 22% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.11%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#100 of 268 · Bottom 37% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.79%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
89.62%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#26 of 47 · Bottom 54% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
89.62%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
16.79%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Non-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Why this stands out
Current:
1.57%
(Tier avg: 0.50%, National avg: 0.48%)
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
85
85th pctile
Tier 1 Capital Ratio
Current: 16.79% · Tier avg: 10.24%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
70
70th pctile
Efficiency Ratio
Current: 55.77% · Tier avg: 62.63%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.11% · Tier avg: 21.05%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
46
46th pctile
Total Loans
Current: $660.0M · Tier avg: $975.5M
41
41th pctile
Total Deposits
Current: $736.5M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $834.8M · Tier avg: $1.4B
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.62% · Tier avg: 83.06%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
13
13th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.57% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.63%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.62% · Tier avg: 83.06%
38
38th pctile
Total Assets
Current: $834.8M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $736.5M · Tier avg: $1.2B
46
46th pctile
Total Loans
Current: $660.0M · Tier avg: $975.5M
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.11% · Tier avg: 21.05%
70
70th pctile
Efficiency Ratio
Current: 55.77% · Tier avg: 62.63%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.79% · Tier avg: 10.24%