BlastPoint's Banking Scorecard
The First National Bank of Lipan
Micro
Specialty: Other
TX
FDIC cert 3303
Designations: ✓ Community bank
Lipan, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Lipan demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 41.57% below tier
- + Non-Interest-Bearing Deposit Share 31.95% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 26.64% 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 ? |
$26.5M
-1.7% YoY
-3.3% QoQ
|
-$191.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$7.8M
+0.1% YoY
+1.0% QoQ
|
-$131.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$23.8M
-2.7% YoY
-3.8% QoQ
|
-$159.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.74%
+1.0% YoY
-13.8% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
4.41%
+9.9% YoY
+1.4% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
76.85%
+0.2% YoY
+2.9% QoQ
|
+9.13% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
25% |
| 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 ? |
32.96%
+2.9% YoY
+5.0% QoQ
|
-41.57% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.35%
-6.2% YoY
+0.5% QoQ
|
+31.95% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% 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 ? |
35.49%
+21.2% YoY
+6.7% QoQ
|
+26.64% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.38%
-3.1% YoY
+41.2% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.96%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
54.35%
(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 2%
in Micro
Why this stands out
Current:
35.49%
(Tier avg: 8.85%, National avg: 9.75%)
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
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%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.35% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.49% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 32.96% · Tier avg: 74.53%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 76.85% · Tier avg: 67.73%
3
3th pctile
Total Deposits
Current: $23.8M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $7.8M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $26.5M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $26.5M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $7.8M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $23.8M · Tier avg: $183.7M
25
25th pctile
Efficiency Ratio
Current: 76.85% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 32.96% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.49% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 54.35% · Tier avg: 22.39%
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%