BlastPoint's Banking Scorecard
The First National Bank of East Texas
Community
Specialty: Commercial
TX
FDIC cert 3218
Gilmer, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First National Bank of East Texas 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
- - Credit Risk Growth: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$614.9M
+10.4% YoY
+3.2% QoQ
|
-$776.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$413.7M
+4.0% YoY
+2.6% QoQ
|
-$561.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$556.5M
+9.5% YoY
+3.0% QoQ
|
-$608.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.12%
+58.5% YoY
+6.2% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.28%
+4.6% YoY
-0.1% QoQ
|
+0.61% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
68.11%
-8.0% YoY
-3.7% QoQ
|
+5.48% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.69%
+61.0% YoY
-25.2% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
74.34%
-5.1% YoY
-0.4% QoQ
|
-8.72% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
21.55%
-2.5% YoY
-2.0% QoQ
|
+0.50% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.52%
+69.7% YoY
-16.8% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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%
-19.5% YoY
+29.7% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#164 of 642 · Bottom 25% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.34% · Tier avg: 83.06%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.55% · Tier avg: 21.05%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
31
31th pctile
Efficiency Ratio
Current: 68.11% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Deposits
Current: $556.5M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $614.9M · Tier avg: $1.4B
16
16th pctile
Total Loans
Current: $413.7M · Tier avg: $975.5M
Top Weaknesses
16
16th pctile
Total Loans
Current: $413.7M · Tier avg: $975.5M
16
16th pctile
Total Assets
Current: $614.9M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $556.5M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Efficiency Ratio
Current: 68.11% · Tier avg: 62.63%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.55% · Tier avg: 21.05%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.34% · Tier avg: 83.06%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%