BlastPoint's Banking Scorecard
The First National Bank of Mertzon
Micro
Specialty: Other
TX
FDIC cert 3339
Designations: ✓ Community bank
Mertzon, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Mertzon has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.54% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 56.77% below tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$487.1M
-8.7% YoY
-11.2% QoQ
|
+$269.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$73.0M
+5.4% YoY
-0.9% QoQ
|
-$66.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$411.4M
-11.9% YoY
-13.2% QoQ
|
+$227.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.87%
-7.3% YoY
-3.2% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.38%
-4.7% YoY
+1.6% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
30.19%
+10.1% YoY
+14.9% QoQ
|
-37.54% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
17.75%
+19.7% YoY
+14.1% QoQ
|
-56.77% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.28%
+31.8% YoY
+25.6% QoQ
|
+9.89% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
90.37%
+7.1% YoY
+1.5% QoQ
|
+81.51% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.09%
+14.5% YoY
+48.7% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
30.19%
(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%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
17.75%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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%
99
99th pctile
Efficiency Ratio
Current: 30.19% · Tier avg: 67.73%
99
99th pctile
Total Assets
Current: $487.1M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $411.4M · Tier avg: $183.7M
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.28% · Tier avg: 22.39%
31
31th pctile
Total Loans
Current: $73.0M · Tier avg: $139.2M
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
0
0th pctile
Loan-to-Deposit Ratio
Current: 17.75% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 17.75% · Tier avg: 74.53%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
31
31th pctile
Total Loans
Current: $73.0M · Tier avg: $139.2M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.28% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
98
98th pctile
Total Deposits
Current: $411.4M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $487.1M · Tier avg: $217.5M
99
99th pctile
Efficiency Ratio
Current: 30.19% · 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%