BlastPoint's Banking Scorecard
Texas Republic Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 3400
Frisco, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Republic Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 34% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Loan-to-Deposit Ratio 26.43% above tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$503.4M
+1.7% YoY
+3.0% QoQ
|
-$888.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$403.3M
+2.2% YoY
-3.6% QoQ
|
-$572.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$368.3M
-0.4% YoY
-0.6% QoQ
|
-$796.3M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.63%
+22.4% YoY
+6.2% QoQ
|
+0.46% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.09%
+11.4% YoY
+1.1% QoQ
|
+1.42% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
57.19%
-8.1% YoY
-2.2% QoQ
|
-5.44% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.56%
+5.7% YoY
+3.6% QoQ
|
+0.94% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
109.49%
+2.6% YoY
-3.0% QoQ
|
+26.43% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.29%
+17.5% YoY
+0.9% QoQ
|
+10.25% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
1.25%
+6.3% YoY
-3.0% QoQ
|
+0.76% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
15.77%
+0.9% YoY
|
+5.53% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.18%
+0.6% YoY
+26.5% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#51 of 150 · Top 34% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.29%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.09%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (3)
Credit Risk Growth
risk
#33 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
109.49%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, 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
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 21.05%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
66
66th pctile
Efficiency Ratio
Current: 57.19% · Tier avg: 62.63%
15
15th pctile
Total Loans
Current: $403.3M · Tier avg: $975.5M
15
15th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.50%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.49% · Tier avg: 83.06%
1
1th pctile
Total Assets
Current: $503.4M · Tier avg: $1.4B
0
0th pctile
Total Deposits
Current: $368.3M · Tier avg: $1.2B
Top Weaknesses
0
0th pctile
Total Deposits
Current: $368.3M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $503.4M · Tier avg: $1.4B
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.49% · Tier avg: 83.06%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.25% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.56% · Tier avg: 0.63%
15
15th pctile
Total Loans
Current: $403.3M · Tier avg: $975.5M
66
66th pctile
Efficiency Ratio
Current: 57.19% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.29% · Tier avg: 21.05%
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%