BlastPoint's Banking Scorecard
The First National Bank of Hughes Springs
Micro
Specialty: Commercial
TX
FDIC cert 3268
Designations: ✓ Community bank
Hughes Springs, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Hughes Springs demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.47% above tier
- + Net Interest Margin 2.93% above tier
- + Non-Interest-Bearing Deposit Share 35.04% 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 ? |
$316.5M
+4.3% YoY
+0.5% QoQ
|
+$99.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$216.4M
-3.4% YoY
-0.9% QoQ
|
+$77.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$284.2M
+4.6% YoY
+2.9% QoQ
|
+$100.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
2.56%
+2.0% YoY
+6.5% QoQ
|
+1.47% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
6.78%
+2.1% YoY
-0.1% QoQ
|
+2.93% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
54.58%
-0.7% YoY
-0.6% QoQ
|
-13.15% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
1.31%
-25.1% YoY
-39.6% QoQ
|
+0.67% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
76.15%
-7.6% YoY
-3.7% QoQ
|
+1.63% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
57.43%
+4.4% YoY
+1.7% QoQ
|
+35.04% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.32%
+2.4% YoY
-32.7% QoQ
|
+0.87% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
15.14%
+6.0% YoY
-11.6% QoQ
|
+6.28% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.76%
-5.0% YoY
+29.2% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.78%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
57.43%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Net Interest Margin
Current: 6.78% · Tier avg: 3.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.43% · Tier avg: 22.39%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
82
82th pctile
Efficiency Ratio
Current: 54.58% · Tier avg: 67.73%
78
78th pctile
Total Deposits
Current: $284.2M · Tier avg: $183.7M
78
78th pctile
Total Loans
Current: $216.4M · Tier avg: $139.2M
75
75th pctile
Total Assets
Current: $316.5M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.15% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.64%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.15% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 8.85%
75
75th pctile
Total Assets
Current: $316.5M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $216.4M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $284.2M · Tier avg: $183.7M
82
82th pctile
Efficiency Ratio
Current: 54.58% · Tier avg: 67.73%
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.43% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.78% · Tier avg: 3.85%