BlastPoint's Banking Scorecard
Texana Bank, National Association
Micro
Specialty: Commercial
TX
FDIC cert 3302
Designations: ✓ Community bank
Linden, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texana Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 19.06% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.47% above tier
- - Loan-to-Deposit Ratio 46.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$340.0M
+15.8% YoY
+11.8% QoQ
|
+$122.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$311.7M
+18.6% YoY
+13.2% QoQ
|
+$172.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$256.7M
+2.3% YoY
+0.8% QoQ
|
+$73.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.54%
+31.6% YoY
+17.6% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.98%
+4.0% YoY
+1.2% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
91.19%
+2.8% YoY
-0.7% QoQ
|
+23.47% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.54%
+121.9% YoY
+19.7% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
121.41%
+15.9% YoY
+12.2% QoQ
|
+46.89% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.13%
-5.8% YoY
+0.4% QoQ
|
+2.74% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.53%
+44.8% YoY
+18.8% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.38%
-6.8% YoY
-1.7% QoQ
|
+1.53% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
19.62%
+67.8% YoY
+32.9% QoQ
|
+19.06% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
19.62%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
91.19%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
121.41%
(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
Non-Interest Income / Assets
Current: 19.62% · Tier avg: 0.56%
94
94th pctile
Total Loans
Current: $311.7M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $340.0M · Tier avg: $217.5M
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
72
72th pctile
Total Deposits
Current: $256.7M · Tier avg: $183.7M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.38% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
9
9th pctile
Efficiency Ratio
Current: 91.19% · Tier avg: 67.73%
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.41% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 121.41% · Tier avg: 74.53%
9
9th pctile
Efficiency Ratio
Current: 91.19% · Tier avg: 67.73%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.38% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
72
72th pctile
Total Deposits
Current: $256.7M · Tier avg: $183.7M
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
79
79th pctile
Total Assets
Current: $340.0M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $311.7M · Tier avg: $139.2M
100
100th pctile
Non-Interest Income / Assets
Current: 19.62% · Tier avg: 0.56%