BlastPoint's Banking Scorecard
First National Bank of Central Texas
Community
Specialty: Commercial
TX
FDIC cert 3325
Waco, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First National Bank of Central Texas has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20% in Community
- + Credit Quality Leader: Top 44% in Community
- + Efficiency Ratio 19.94% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+3.2% YoY
-0.2% QoQ
|
+$214.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.3B
+9.8% YoY
+5.6% QoQ
|
+$313.3M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.4B
+2.9% YoY
+0.0% QoQ
|
+$231.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
2.54%
+9.7% YoY
+2.0% QoQ
|
+1.38% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.40%
+10.3% YoY
+2.0% QoQ
|
+0.73% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
42.69%
-2.1% YoY
-1.9% QoQ
|
-19.94% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.13%
-38.5% YoY
+1.5% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
92.30%
+6.8% YoY
+5.6% QoQ
|
+9.24% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
25.46%
-8.4% YoY
-2.1% QoQ
|
+4.41% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.10%
-34.6% YoY
+7.4% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
15.27%
-5.0% YoY
-4.4% QoQ
|
+5.03% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.44%
-1.1% YoY
+36.3% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#75 of 371 · Top 20% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.54%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#163 of 371 · Top 44% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.69%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Liquidity Strain
risk
#229 of 513 · Bottom 45% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
97
97th pctile
Return on Assets
Current: 2.54% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.69% · Tier avg: 62.63%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 21.05%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.30% · Tier avg: 83.06%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.30% · Tier avg: 83.06%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.46% · Tier avg: 21.05%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
84
84th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.66%
94
94th pctile
Efficiency Ratio
Current: 42.69% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.54% · Tier avg: 1.16%