BlastPoint's Banking Scorecard
The First National Bank of McGregor
Community
Specialty: Commercial
TX
FDIC cert 3330
Mc Gregor, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First National Bank of McGregor faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.4% YoY
+1.7% QoQ
|
-$380.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$775.3M
+5.5% YoY
+3.6% QoQ
|
-$200.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$916.1M
+5.5% YoY
+1.4% QoQ
|
-$248.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.03%
+11.4% YoY
-5.5% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
4.21%
+7.7% YoY
+0.6% QoQ
|
+0.55% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
59.58%
-7.4% YoY
-2.2% QoQ
|
-3.06% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
1.78%
+219.5% YoY
+176.7% QoQ
|
+1.15% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
84.63%
-0.1% YoY
+2.3% QoQ
|
+1.56% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
10.59%
+14.8% YoY
-9.0% QoQ
|
-10.46% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.92%
+82.4% YoY
+73.0% QoQ
|
+1.42% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
11.72%
-6.1% YoY
-2.2% QoQ
|
+1.48% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.32%
+4.5% YoY
+27.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.92%
(Tier avg: 0.50%, National avg: 0.48%)
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
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
58
58th pctile
Efficiency Ratio
Current: 59.58% · Tier avg: 62.63%
55
55th pctile
Total Loans
Current: $775.3M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $916.1M · Tier avg: $1.2B
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.63% · Tier avg: 83.06%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
44
44th pctile
Tier 1 Capital Ratio
Current: 11.72% · Tier avg: 10.24%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
12
12th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.59% · Tier avg: 21.05%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.59% · Tier avg: 21.05%
12
12th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
41
41th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.72% · Tier avg: 10.24%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.63% · Tier avg: 83.06%
55
55th pctile
Total Deposits
Current: $916.1M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $775.3M · Tier avg: $975.5M
58
58th pctile
Efficiency Ratio
Current: 59.58% · Tier avg: 62.63%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%