BlastPoint's Banking Scorecard
State National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3237
Designations: ✓ Community bank
Groom, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
State National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 3.31% below tier
- - Efficiency Ratio 57.59% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.3M
+19.9% YoY
+1.6% QoQ
|
-$155.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$47.3M
+26.8% YoY
+4.7% QoQ
|
-$91.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$54.9M
+26.5% YoY
+2.1% QoQ
|
-$128.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
-2.23%
-92.2% YoY
+25.2% QoQ
|
-3.31% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.32%
-6.8% YoY
-0.3% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
125.32%
+8.2% YoY
-6.4% QoQ
|
+57.59% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.36%
-27.5% YoY
+0.2% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
86.19%
+0.3% YoY
+2.6% QoQ
|
+11.67% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
16.48%
-12.6% YoY
+9.0% QoQ
|
-5.91% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.96%
-23.1% YoY
-1.8% QoQ
|
+0.51% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.64%
-31.0% YoY
-4.9% QoQ
|
+4.79% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.28%
+52.9% YoY
+30.2% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
125.32%
(Tier avg: 67.73%, National avg: 65.09%)
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
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.19% · Tier avg: 74.53%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.64% · Tier avg: 8.85%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 22.39%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
18
18th pctile
Total Loans
Current: $47.3M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $54.9M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $62.3M · Tier avg: $217.5M
2
2th pctile
Efficiency Ratio
Current: 125.32% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -2.23% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -2.23% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 125.32% · Tier avg: 67.73%
11
11th pctile
Total Assets
Current: $62.3M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $54.9M · Tier avg: $183.7M
18
18th pctile
Total Loans
Current: $47.3M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.64% · Tier avg: 8.85%
70
70th pctile
Loan-to-Deposit Ratio
Current: 86.19% · Tier avg: 74.53%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%