BlastPoint's Banking Scorecard
Texas Heritage National Bank
Community
Specialty: Commercial
TX
FDIC cert 3161
Daingerfield, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Heritage National Bank 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
- - Non-Interest-Bearing Deposit Share 18.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$958.2M
+11.8% YoY
+1.2% QoQ
|
-$433.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$809.6M
+10.3% YoY
-1.1% QoQ
|
-$165.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$801.1M
+10.0% YoY
-2.0% QoQ
|
-$363.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.46%
+32.8% YoY
+2.5% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.78%
+15.4% YoY
+0.1% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
55.54%
-7.4% YoY
+0.3% QoQ
|
-7.10% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
1.40%
+171.4% QoQ
|
+0.77% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
101.06%
+0.3% YoY
+0.9% QoQ
|
+18.00% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.90%
-22.9% YoY
-9.4% QoQ
|
-18.15% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.24%
+162.7% QoQ
|
+0.74% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
10.60%
+8.0% YoY
+2.3% QoQ
|
+0.36% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.66%
+45.7% YoY
+44.3% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.90%
(Tier avg: 21.05%, National avg: 21.79%)
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
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
71
71th pctile
Efficiency Ratio
Current: 55.54% · Tier avg: 62.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
58
58th pctile
Total Loans
Current: $809.6M · Tier avg: $975.5M
47
47th pctile
Total Assets
Current: $958.2M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $801.1M · Tier avg: $1.2B
33
33th pctile
Tier 1 Capital Ratio
Current: 10.60% · Tier avg: 10.24%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.50%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.06% · Tier avg: 83.06%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.90% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.90% · Tier avg: 21.05%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.06% · Tier avg: 83.06%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.60% · Tier avg: 10.24%
47
47th pctile
Total Deposits
Current: $801.1M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $958.2M · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $809.6M · Tier avg: $975.5M
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
71
71th pctile
Efficiency Ratio
Current: 55.54% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%