BlastPoint's Banking Scorecard
NewFirst National Bank
Community
Specialty: Commercial
TX
FDIC cert 3183
El Campo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
NewFirst National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 38% in Community
- + Profitability Leader: Top 49% in Community
- + Efficiency Ratio 24.55% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$944.4M
+2.1% YoY
+1.8% QoQ
|
-$447.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$681.5M
-0.0% YoY
+2.0% QoQ
|
-$294.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$824.3M
+1.8% YoY
+2.0% QoQ
|
-$340.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
3.45%
-1.3% YoY
+1.1% QoQ
|
+2.29% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.43%
-0.9% YoY
-0.6% QoQ
|
+1.76% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
38.08%
+1.4% YoY
+1.6% QoQ
|
-24.55% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
1.01%
+271.4% YoY
+461.0% QoQ
|
+0.38% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
82.68%
-1.8% YoY
+0.0% QoQ
|
-0.38% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
27.95%
-3.3% YoY
-3.1% QoQ
|
+6.90% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.74%
+251.7% YoY
+440.5% QoQ
|
+0.24% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
27% |
| 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 ? |
0.43%
+0.1% YoY
+35.5% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#58 of 150 · Top 38% 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:
27.95%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.43%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Profitability Leader
growth
#181 of 371 · Top 49% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.45%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
38.08%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Capital Thin
risk
#121 of 432 · Bottom 28% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
99
99th pctile
Return on Assets
Current: 3.45% · Tier avg: 1.16%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 38.08% · Tier avg: 62.63%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.95% · Tier avg: 21.05%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.68% · Tier avg: 83.06%
49
49th pctile
Total Deposits
Current: $824.3M · Tier avg: $1.2B
48
48th pctile
Total Loans
Current: $681.5M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $944.4M · Tier avg: $1.4B
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
46
46th pctile
Total Assets
Current: $944.4M · Tier avg: $1.4B
48
48th pctile
Total Loans
Current: $681.5M · Tier avg: $975.5M
49
49th pctile
Total Deposits
Current: $824.3M · Tier avg: $1.2B
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.68% · Tier avg: 83.06%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.95% · Tier avg: 21.05%
97
97th pctile
Efficiency Ratio
Current: 38.08% · Tier avg: 62.63%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
99
99th pctile
Return on Assets
Current: 3.45% · Tier avg: 1.16%