BlastPoint's Banking Scorecard
First National Bank Texas
Community
Specialty: Other
TX
FDIC cert 3285
Killeen, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First National Bank Texas has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 19% in Community
- + Loan-to-Deposit Ratio 28.32% below tier
- + Non-Interest-Bearing Deposit Share 38.41% above tier
- + Tier 1 Capital Ratio 8.87% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+9.3% YoY
+4.1% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$2.2B
+7.3% YoY
+0.7% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$4.0B
+10.3% YoY
+4.5% QoQ
|
+$2.8B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.07%
+6.9% YoY
-0.8% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.83%
+9.4% YoY
+0.0% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
85.20%
-0.4% YoY
-0.1% QoQ
|
+22.57% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.39%
-12.6% YoY
+7.9% QoQ
|
+0.76% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
54.74%
-2.7% YoY
-3.6% QoQ
|
-28.32% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
59.46%
+0.0% YoY
+0.6% QoQ
|
+38.41% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.68%
-14.9% YoY
+6.2% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
19.12%
-4.7% YoY
-2.8% QoQ
|
+8.87% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
7.32%
-5.5% YoY
+27.9% QoQ
|
+6.58% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#70 of 371 · Top 19% 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:
7.32%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.07%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
54.74%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
59.46%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.12%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Efficiency Drag
risk
#62 of 152 · Bottom 40% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.20%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
Total Deposits
Current: $4.0B · Tier avg: $1.2B
99
99th pctile
Non-Interest Income / Assets
Current: 7.32% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 59.46% · Tier avg: 21.05%
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
95
95th pctile
Loan-to-Deposit Ratio
Current: 54.74% · Tier avg: 83.06%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
91
91th pctile
Tier 1 Capital Ratio
Current: 19.12% · Tier avg: 10.24%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
6
6th pctile
Efficiency Ratio
Current: 85.20% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 85.20% · Tier avg: 62.63%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.12% · Tier avg: 10.24%
92
92th pctile
Total Loans
Current: $2.2B · Tier avg: $975.5M
95
95th pctile
Loan-to-Deposit Ratio
Current: 54.74% · Tier avg: 83.06%
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 59.46% · Tier avg: 21.05%
99
99th pctile
Non-Interest Income / Assets
Current: 7.32% · Tier avg: 0.74%
100
100th pctile
Total Deposits
Current: $4.0B · Tier avg: $1.2B