BlastPoint's Banking Scorecard
The First National Bank of Quitaque
Micro
Specialty: Agricultural
TX
FDIC cert 3401
Designations: ✓ Community bank
Quitaque, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Quitaque has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.43% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.5M
+10.2% YoY
+3.0% QoQ
|
-$61.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$61.2M
-1.3% YoY
+0.8% QoQ
|
-$78.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$138.0M
+10.0% YoY
+3.3% QoQ
|
-$45.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.53%
-2.4% YoY
+6.8% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.19%
-7.0% YoY
-1.0% QoQ
|
+0.34% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
48.29%
+9.3% YoY
-2.1% QoQ
|
-19.43% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
1.59%
-33.2% YoY
-5.0% QoQ
|
+0.95% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
44.34%
-10.3% YoY
-2.4% QoQ
|
-30.18% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.71%
+2.0% YoY
+2.0% QoQ
|
+5.32% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.62%
-40.2% YoY
-7.1% QoQ
|
+0.17% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
31% |
| 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 ? |
0.33%
+9.4% YoY
+47.2% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.29%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
44.34%
(Tier avg: 74.53%, National avg: 78.04%)
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
92
92th pctile
Efficiency Ratio
Current: 48.29% · Tier avg: 67.73%
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.08%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.71% · Tier avg: 22.39%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
42
42th pctile
Total Deposits
Current: $138.0M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $156.5M · Tier avg: $217.5M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
25
25th pctile
Total Loans
Current: $61.2M · Tier avg: $139.2M
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.34% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 44.34% · Tier avg: 74.53%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
25
25th pctile
Total Loans
Current: $61.2M · Tier avg: $139.2M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
40
40th pctile
Total Assets
Current: $156.5M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.0M · Tier avg: $183.7M
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.71% · Tier avg: 22.39%
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.29% · Tier avg: 67.73%