BlastPoint's Banking Scorecard
The State National Bank of Big Spring
Community
Specialty: Other
TX
FDIC cert 3103
Big Spring, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The State National Bank of Big Spring has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.69% below tier
- + Loan-to-Deposit Ratio 65.87% below tier
- + Non-Interest-Bearing Deposit Share 14.97% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.03% below tier
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$624.2M
+9.4% YoY
+2.6% QoQ
|
-$767.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$96.5M
+4.5% YoY
+2.7% QoQ
|
-$879.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$561.1M
+6.4% YoY
+2.5% QoQ
|
-$603.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.41%
-0.1% YoY
+14.4% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
2.64%
+8.5% YoY
+3.0% QoQ
|
-1.03% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
39.95%
-6.4% YoY
-6.4% QoQ
|
-22.69% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.36%
-0.7% QoQ
|
+0.73% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
17.20%
-1.8% YoY
+0.2% QoQ
|
-65.87% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.01%
-0.2% YoY
+6.8% QoQ
|
+14.97% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-0.6% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
-1.5% YoY
+30.2% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.95%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
17.20%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.01%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.64%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Loan-to-Deposit Ratio
Current: 17.20% · Tier avg: 83.06%
96
96th pctile
Efficiency Ratio
Current: 39.95% · Tier avg: 62.63%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.01% · Tier avg: 21.05%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Deposits
Current: $561.1M · Tier avg: $1.2B
19
19th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
17
17th pctile
Total Assets
Current: $624.2M · Tier avg: $1.4B
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $96.5M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $96.5M · Tier avg: $975.5M
8
8th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
17
17th pctile
Total Assets
Current: $624.2M · Tier avg: $1.4B
19
19th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.63%
23
23th pctile
Total Deposits
Current: $561.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.01% · Tier avg: 21.05%
96
96th pctile
Efficiency Ratio
Current: 39.95% · Tier avg: 62.63%
100
100th pctile
Loan-to-Deposit Ratio
Current: 17.20% · Tier avg: 83.06%