BlastPoint's Banking Scorecard
The First National Bank of Bastrop
Community
Specialty: Commercial
TX
FDIC cert 3091
Bastrop, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First National Bank of Bastrop faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+11.2% YoY
+5.4% QoQ
|
-$290.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$645.6M
+16.5% YoY
+1.3% QoQ
|
-$329.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$999.1M
+9.1% YoY
+8.0% QoQ
|
-$165.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.52%
+54.9% YoY
-8.5% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.72%
+18.1% YoY
+0.7% QoQ
|
+0.06% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
61.77%
-14.5% YoY
+3.7% QoQ
|
-0.86% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.31%
+31.2% YoY
-7.6% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
64.61%
+6.8% YoY
-6.2% QoQ
|
-18.45% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.30%
-5.4% YoY
-0.5% QoQ
|
+11.26% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+37.5% YoY
-11.3% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
18.31%
-5.3% YoY
-1.6% QoQ
|
+8.06% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.84%
+24.0% YoY
+14.9% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#188 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.31%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
89
89th pctile
Tier 1 Capital Ratio
Current: 18.31% · Tier avg: 10.24%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.30% · Tier avg: 21.05%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.61% · Tier avg: 83.06%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
59
59th pctile
Total Deposits
Current: $999.1M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
51
51th pctile
Efficiency Ratio
Current: 61.77% · Tier avg: 62.63%
45
45th pctile
Total Loans
Current: $645.6M · Tier avg: $975.5M
Top Weaknesses
45
45th pctile
Total Loans
Current: $645.6M · Tier avg: $975.5M
51
51th pctile
Efficiency Ratio
Current: 61.77% · Tier avg: 62.63%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $999.1M · Tier avg: $1.2B
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.61% · Tier avg: 83.06%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.30% · Tier avg: 21.05%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.31% · Tier avg: 10.24%