BlastPoint's Banking Scorecard
First Texas National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3197
Designations: ✓ Community bank
Floydada, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First Texas National Bank shows strong momentum with 1 strength and 11.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.6M
+11.3% YoY
+8.7% QoQ
|
-$15.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$158.0M
+11.7% YoY
+6.5% QoQ
|
+$18.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$181.4M
+11.4% YoY
+9.6% QoQ
|
-$2.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
2.14%
+34.0% YoY
+3.1% QoQ
|
+1.06% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.66%
+22.8% YoY
+0.8% QoQ
|
+0.81% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
53.31%
-10.7% YoY
+4.7% QoQ
|
-14.42% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.45%
-36.6% YoY
-6.2% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
87.14%
+0.2% YoY
-2.8% QoQ
|
+12.62% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
26.89%
-6.9% YoY
+4.2% QoQ
|
+4.50% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.35%
-36.4% YoY
-8.1% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
-15.4% YoY
+25.3% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
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
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
84
84th pctile
Efficiency Ratio
Current: 53.31% · Tier avg: 67.73%
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.89% · Tier avg: 22.39%
63
63th pctile
Total Loans
Current: $158.0M · Tier avg: $139.2M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
55
55th pctile
Total Deposits
Current: $181.4M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $201.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.14% · Tier avg: 74.53%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.14% · Tier avg: 74.53%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $201.6M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $181.4M · Tier avg: $183.7M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
63
63th pctile
Total Loans
Current: $158.0M · Tier avg: $139.2M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.89% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
84
84th pctile
Efficiency Ratio
Current: 53.31% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%