BlastPoint's Banking Scorecard
Classic Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 3126
Cameron, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Classic Bank, National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 6% in Community
- + Credit Quality Leader: Top 17% in Community
- + Revenue Diversifier: Top 35% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Capital Constraint: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$648.3M
-8.2% YoY
+0.1% QoQ
|
-$743.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$518.8M
-9.0% YoY
+0.1% QoQ
|
-$456.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$567.7M
-9.6% YoY
-0.5% QoQ
|
-$596.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.92%
+55.6% YoY
+9.0% QoQ
|
+0.76% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.53%
+15.9% YoY
+1.4% QoQ
|
-0.14% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
55.55%
-14.3% YoY
-3.8% QoQ
|
-7.08% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.06%
+9.4% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
91.39%
+0.7% YoY
+0.7% QoQ
|
+8.33% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
22.90%
+14.0% YoY
+4.0% QoQ
|
+1.86% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.05%
+9.5% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
15.51%
+21.3% YoY
+2.0% QoQ
|
+5.27% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
1.09%
+50.8% YoY
+45.9% QoQ
|
+0.35% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#24 of 371 · Top 6% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#64 of 371 · Top 17% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#129 of 371 · Top 35% 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:
1.09%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Liquidity Strain
risk
#1 of 513 · Bottom 1% 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:
91.39%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#79 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#19 of 47 · Bottom 39% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
91.39%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
15.51%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 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
Return on Assets
Current: 1.92% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.51% · Tier avg: 10.24%
71
71th pctile
Efficiency Ratio
Current: 55.55% · Tier avg: 62.63%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.39% · Tier avg: 83.06%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.90% · Tier avg: 21.05%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
33
33th pctile
Total Loans
Current: $518.8M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $567.7M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $648.3M · Tier avg: $1.4B
Top Weaknesses
21
21th pctile
Total Assets
Current: $648.3M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $567.7M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $518.8M · Tier avg: $975.5M
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.90% · Tier avg: 21.05%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.39% · Tier avg: 83.06%
71
71th pctile
Efficiency Ratio
Current: 55.55% · Tier avg: 62.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.51% · Tier avg: 10.24%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.16%