BlastPoint's Banking Scorecard
First National Bank of Dublin
Micro
Specialty: Agricultural
TX
FDIC cert 26228
Designations: ✓ Community bank
Dublin, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Dublin demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier
- + Net Interest Margin 2.55% above tier
- + Non-Interest-Bearing Deposit Share 25.34% 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 ? |
$133.3M
+0.8% YoY
-2.8% QoQ
|
-$84.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$92.6M
+5.5% YoY
+2.7% QoQ
|
-$46.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$116.8M
-0.1% YoY
-3.2% QoQ
|
-$66.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
2.18%
-24.0% YoY
-4.9% QoQ
|
+1.10% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
6.40%
+0.3% YoY
+4.1% QoQ
|
+2.55% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
63.57%
+15.8% YoY
+3.3% QoQ
|
-4.16% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.16%
+3.7% YoY
-4.5% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
79.29%
+5.6% YoY
+6.0% QoQ
|
+4.76% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
47.74%
-2.9% YoY
-0.7% QoQ
|
+25.34% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+8.5% YoY
+0.9% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
16.69%
+2.7% YoY
-1.1% QoQ
|
+7.83% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.67%
-8.3% YoY
+46.1% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.40%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.74%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Net Interest Margin
Current: 6.40% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.74% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.69% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
57
57th pctile
Efficiency Ratio
Current: 63.57% · Tier avg: 67.73%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.29% · Tier avg: 74.53%
40
40th pctile
Total Loans
Current: $92.6M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $116.8M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $133.3M · Tier avg: $217.5M
Top Weaknesses
32
32th pctile
Total Assets
Current: $133.3M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $116.8M · Tier avg: $183.7M
40
40th pctile
Total Loans
Current: $92.6M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.29% · Tier avg: 74.53%
57
57th pctile
Efficiency Ratio
Current: 63.57% · Tier avg: 67.73%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.69% · Tier avg: 8.85%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.74% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.40% · Tier avg: 3.85%