BlastPoint's Banking Scorecard
Titan Bank, N.A.
Community
Specialty: Commercial
TX
FDIC cert 3225
Mineral Wells, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Titan Bank, N.A. shows strong momentum with 4 strengths and 70.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Community
- + Revenue Diversifier: Top 2% in Community
- + Deposit Franchise: Top 8% in Community
- + Tier 1 Capital Ratio 8.33% 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 ? |
$819.9M
+70.6% YoY
-2.8% QoQ
|
-$571.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$443.5M
+43.1% YoY
+13.8% QoQ
|
-$532.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$640.7M
+52.9% YoY
-2.7% QoQ
|
-$523.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
21.80%
+452.7% YoY
-13.9% QoQ
|
+20.63% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
4.86%
-5.3% YoY
-2.0% QoQ
|
+1.20% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
7.45%
-75.3% YoY
+15.0% QoQ
|
-55.18% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.37%
-18.1% YoY
+21.4% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
69.22%
-6.4% YoY
+16.9% QoQ
|
-13.84% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
43.79%
-40.4% YoY
-26.0% QoQ
|
+22.74% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-15.9% YoY
+73.3% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
18.58%
-22.0% YoY
-66.5% QoQ
|
+8.33% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
16.29%
+21.7% QoQ
|
+15.56% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#3 of 371 · Top 1% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
21.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#8 of 371 · Top 2% 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:
16.29%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
21.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#13 of 150 · Top 8% 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:
43.79%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.86%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.58%
(Tier avg: 10.24%, National avg: 9.75%)
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
100
100th pctile
Non-Interest Income / Assets
Current: 16.29% · Tier avg: 0.74%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.79% · Tier avg: 21.05%
94
94th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.58% · Tier avg: 10.24%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.22% · Tier avg: 83.06%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
37
37th pctile
Total Assets
Current: $819.9M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $640.7M · Tier avg: $1.2B
21
21th pctile
Total Loans
Current: $443.5M · Tier avg: $975.5M
Top Weaknesses
21
21th pctile
Total Loans
Current: $443.5M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $640.7M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $819.9M · Tier avg: $1.4B
56
56th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.22% · Tier avg: 83.06%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.58% · Tier avg: 10.24%
94
94th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.66%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.79% · Tier avg: 21.05%
100
100th pctile
Non-Interest Income / Assets
Current: 16.29% · Tier avg: 0.74%