BlastPoint's Banking Scorecard
Texas National Bank
Micro
Specialty: Other
TX
FDIC cert 34014
Designations: ✓ Community bank
Sweetwater, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Texas National Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 46.53% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 19.49% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.7M
-2.2% YoY
-0.2% QoQ
|
-$77.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$36.0M
-3.4% YoY
+0.5% QoQ
|
-$103.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$128.7M
+1.4% YoY
-0.5% QoQ
|
-$55.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.56%
+651.9% YoY
+4.6% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.71%
+30.7% YoY
+3.3% QoQ
|
-1.14% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
82.63%
-14.9% YoY
-0.5% QoQ
|
+14.91% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? | 0.00% | -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 ? |
27.99%
-4.8% YoY
+1.0% QoQ
|
-46.53% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.97%
+2.3% YoY
-3.4% QoQ
|
+13.58% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
28.34%
+10.1% YoY
-1.1% QoQ
|
+19.49% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.69%
+4.5% YoY
+32.8% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
27.99%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.34%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 3.85%, National avg: 3.75%)
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%
98
98th pctile
Loan-to-Deposit Ratio
Current: 27.99% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.34% · Tier avg: 8.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.97% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
38
38th pctile
Total Deposits
Current: $128.7M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $139.7M · Tier avg: $217.5M
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 82.63% · Tier avg: 67.73%
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
16
16th pctile
Efficiency Ratio
Current: 82.63% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
35
35th pctile
Total Assets
Current: $139.7M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $128.7M · Tier avg: $183.7M
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.97% · Tier avg: 22.39%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.34% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 27.99% · Tier avg: 74.53%
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%