BlastPoint's Banking Scorecard
First National Bank of Huntsville
Community
Specialty: Commercial
TX
FDIC cert 3269
Huntsville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First National Bank of Huntsville shows strong momentum with 3 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32% in Community
- + Revenue Diversifier: Top 46% in Community
- + Deposit Franchise: Top 50% in Community
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 ? |
$588.8M
+5.7% YoY
+6.6% QoQ
|
-$802.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$327.1M
+8.5% YoY
-4.3% QoQ
|
-$648.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$509.5M
+5.2% YoY
+8.3% QoQ
|
-$655.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.82%
+24.9% YoY
-0.1% QoQ
|
+0.66% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.36%
+13.4% YoY
-0.6% QoQ
|
+0.70% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
53.31%
-6.7% YoY
-1.7% QoQ
|
-9.32% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.07%
-66.6% YoY
-31.6% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
64.20%
+3.1% YoY
-11.6% QoQ
|
-18.87% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.69%
-2.8% YoY
-2.2% QoQ
|
+15.64% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-61.6% YoY
-36.2% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| 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 ? |
0.91%
+12.4% YoY
+43.3% QoQ
|
+0.17% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#121 of 371 · Top 32% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.82%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#171 of 371 · Top 46% 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:
0.91%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.82%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#75 of 150 · Top 50% 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:
36.69%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.36%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
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
Non-Interest-Bearing Deposit Share
Current: 36.69% · Tier avg: 21.05%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.20% · Tier avg: 83.06%
87
87th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
77
77th pctile
Efficiency Ratio
Current: 53.31% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Total Deposits
Current: $509.5M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $588.8M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $327.1M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $327.1M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $588.8M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $509.5M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
77
77th pctile
Efficiency Ratio
Current: 53.31% · Tier avg: 62.63%
83
83th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.74%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
87
87th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.20% · Tier avg: 83.06%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.69% · Tier avg: 21.05%