BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Commercial
TX
FDIC cert 3121
Burkburnett, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 9% in Community
- + Deposit Franchise: Top 55% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7% in Community
- - Margin Compression: Bottom 51% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$677.3M
+2.9% YoY
-2.1% QoQ
|
-$714.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$556.0M
-2.8% YoY
-3.0% QoQ
|
-$419.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$578.4M
+6.5% YoY
-0.2% QoQ
|
-$586.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.69%
-9.6% YoY
-9.8% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
5.02%
-0.7% YoY
+0.2% QoQ
|
+1.35% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
68.12%
-4.5% YoY
-0.9% QoQ
|
+5.49% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
1.03%
-16.8% YoY
+19.3% QoQ
|
+0.40% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
96.13%
-8.7% YoY
-2.8% QoQ
|
+13.07% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
27.05%
-4.0% YoY
-5.0% QoQ
|
+6.00% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.98%
-14.4% YoY
+15.7% QoQ
|
+0.48% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.63%
+4.2% YoY
+3.0% QoQ
|
+3.39% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
1.90%
-5.3% YoY
+28.6% QoQ
|
+1.16% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#36 of 371 · Top 9% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.90%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#83 of 150 · Top 55% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.05%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.02%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#35 of 513 · Bottom 7% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#62 of 120 · Bottom 51% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.69%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.74%
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 21.05%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
37
37th pctile
Total Loans
Current: $556.0M · Tier avg: $975.5M
31
31th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 62.63%
25
25th pctile
Total Deposits
Current: $578.4M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $677.3M · Tier avg: $1.4B
25
25th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.63%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.13% · Tier avg: 83.06%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.13% · Tier avg: 83.06%
25
25th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.63%
25
25th pctile
Total Assets
Current: $677.3M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $578.4M · Tier avg: $1.2B
31
31th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $556.0M · Tier avg: $975.5M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 10.24%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.05% · Tier avg: 21.05%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.66%
95
95th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.74%