BlastPoint's Banking Scorecard
First Capital Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3399
Designations: ✓ Community bank
Quanah, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First Capital Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.49% above tier
- + Non-Interest-Bearing Deposit Share 17.72% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.29% above tier
- - Nonperforming Asset Ratio 3.85% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.3M
+11.4% YoY
+8.5% QoQ
|
-$101.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$82.8M
+4.9% YoY
+7.4% QoQ
|
-$56.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$106.5M
+12.1% YoY
+9.8% QoQ
|
-$77.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.44%
-23.8% YoY
-49.4% QoQ
|
-0.65% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
5.34%
-6.9% YoY
-1.8% QoQ
|
+1.49% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
72.43%
+7.3% YoY
-1.3% QoQ
|
+4.70% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
5.93%
+157.8% YoY
-4.6% QoQ
|
+5.29% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
77.79%
-6.5% YoY
-2.2% QoQ
|
+3.26% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
40.11%
+4.3% YoY
-10.0% QoQ
|
+17.72% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
4.30%
+135.5% YoY
-5.7% QoQ
|
+3.85% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.25%
-0.6% YoY
-8.8% QoQ
|
+2.40% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.49%
-14.3% YoY
+23.8% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.34%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.11%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.93%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.30%
(Tier avg: 0.45%, 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
95
95th pctile
Net Interest Margin
Current: 5.34% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.11% · Tier avg: 22.39%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.79% · Tier avg: 74.53%
35
35th pctile
Total Loans
Current: $82.8M · Tier avg: $139.2M
34
34th pctile
Efficiency Ratio
Current: 72.43% · Tier avg: 67.73%
31
31th pctile
Total Deposits
Current: $106.5M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.3M · Tier avg: $217.5M
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 5.93% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.30% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.30% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.93% · Tier avg: 0.64%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
28
28th pctile
Total Assets
Current: $116.3M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $106.5M · Tier avg: $183.7M
34
34th pctile
Efficiency Ratio
Current: 72.43% · Tier avg: 67.73%
35
35th pctile
Total Loans
Current: $82.8M · Tier avg: $139.2M
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.79% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 8.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.11% · Tier avg: 22.39%
95
95th pctile
Net Interest Margin
Current: 5.34% · Tier avg: 3.85%