BlastPoint's Banking Scorecard
The Perryton National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3388
Designations: ✓ Community bank
Perryton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Perryton National Bank shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.01% below 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 ? |
$203.8M
+9.7% YoY
+2.9% QoQ
|
-$13.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$93.0M
+5.5% YoY
-3.3% QoQ
|
-$46.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$173.7M
+8.1% YoY
+3.9% QoQ
|
-$10.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.71%
+21.9% YoY
+3.5% QoQ
|
+0.62% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.35%
+15.8% YoY
+0.2% QoQ
|
-0.51% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
48.71%
-9.0% YoY
+0.6% QoQ
|
-19.01% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.03%
-33.7% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
53.57%
-2.5% YoY
-6.9% QoQ
|
-20.95% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
19.28%
-1.0% YoY
-6.8% QoQ
|
-3.11% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.01%
-37.7% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.37%
-17.0% YoY
+32.2% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.71%
(Tier avg: 67.73%, National avg: 65.09%)
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
91
91th pctile
Efficiency Ratio
Current: 48.71% · Tier avg: 67.73%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.57% · Tier avg: 74.53%
82
82th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
53
53th pctile
Total Assets
Current: $203.8M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $173.7M · Tier avg: $183.7M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Loans
Current: $93.0M · Tier avg: $139.2M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.28% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
Top Weaknesses
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.28% · Tier avg: 22.39%
40
40th pctile
Total Loans
Current: $93.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
53
53th pctile
Total Deposits
Current: $173.7M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $203.8M · Tier avg: $217.5M
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
82
82th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.57% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 48.71% · Tier avg: 67.73%