BlastPoint's Banking Scorecard
First Texas Bank
Micro
Specialty: Other
TX
FDIC cert 3293
Designations: ✓ Community bank
Lampasas, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First Texas Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.56% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 15.62% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 14.29% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.3M
+3.3% YoY
-1.6% QoQ
|
+$20.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$88.9M
+5.1% YoY
+1.5% QoQ
|
-$50.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$212.1M
+2.5% YoY
-2.0% QoQ
|
+$28.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.78%
+32.3% YoY
+1.7% QoQ
|
+0.70% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.61%
+14.2% YoY
+1.7% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
43.16%
-17.8% YoY
-1.8% QoQ
|
-24.56% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
41.88%
+2.6% YoY
+3.5% QoQ
|
-32.64% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.02%
+11.5% YoY
-6.5% QoQ
|
+15.62% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
23.14%
+7.7% YoY
-3.7% QoQ
|
+14.29% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.44%
+5.1% YoY
+34.2% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (5)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.16%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
38.02%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.14%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.88%
(Tier avg: 74.53%, National avg: 78.04%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Efficiency Ratio
Current: 43.16% · Tier avg: 67.73%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 38.02% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.14% · Tier avg: 8.85%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
63
63th pctile
Total Deposits
Current: $212.1M · Tier avg: $183.7M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
60
60th pctile
Total Assets
Current: $238.3M · Tier avg: $217.5M
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
38
38th pctile
Total Loans
Current: $88.9M · Tier avg: $139.2M
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.88% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.88% · Tier avg: 74.53%
38
38th pctile
Total Loans
Current: $88.9M · Tier avg: $139.2M
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
60
60th pctile
Total Assets
Current: $238.3M · Tier avg: $217.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
63
63th pctile
Total Deposits
Current: $212.1M · Tier avg: $183.7M
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.14% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 38.02% · Tier avg: 22.39%
96
96th pctile
Efficiency Ratio
Current: 43.16% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%