BlastPoint's Banking Scorecard
The First National Bank of Aspermont
Micro
Specialty: Agricultural
TX
FDIC cert 3079
Designations: ✓ Community bank
Aspermont, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Aspermont has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 40.98% below tier
- + Non-Interest-Bearing Deposit Share 23.18% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.9M
+18.5% YoY
+3.3% QoQ
|
-$80.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$44.0M
+17.5% YoY
+3.2% QoQ
|
-$95.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$131.1M
+15.3% YoY
+3.0% QoQ
|
-$52.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.79%
+93.9% YoY
+16.7% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.65%
+8.4% YoY
+2.1% QoQ
|
-1.20% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
71.84%
-14.3% YoY
-4.0% QoQ
|
+4.11% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.36%
-0.5% YoY
-16.3% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
33.55%
+1.9% YoY
+0.2% QoQ
|
-40.98% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.58%
-1.4% YoY
+3.1% QoQ
|
+23.18% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-1.3% YoY
-16.4% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
65% |
| 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 ? |
0.47%
-15.5% YoY
+32.6% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.55%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.58%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.65%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.55% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.58% · Tier avg: 22.39%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Total Deposits
Current: $131.1M · Tier avg: $183.7M
35
35th pctile
Efficiency Ratio
Current: 71.84% · Tier avg: 67.73%
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
17
17th pctile
Total Loans
Current: $44.0M · Tier avg: $139.2M
7
7th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.85%
17
17th pctile
Total Loans
Current: $44.0M · Tier avg: $139.2M
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
35
35th pctile
Efficiency Ratio
Current: 71.84% · Tier avg: 67.73%
39
39th pctile
Total Deposits
Current: $131.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.58% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.55% · Tier avg: 74.53%