BlastPoint's Banking Scorecard
First National Bank
Micro
Specialty: Agricultural
TX
FDIC cert 34455
Designations: ✓ Community bank
Rotan, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.62% 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 ? |
$93.9M
+3.9% YoY
+0.7% QoQ
|
-$123.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$40.5M
-0.2% YoY
+12.5% QoQ
|
-$98.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$88.2M
+2.6% YoY
+0.4% QoQ
|
-$95.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.63%
+179.4% YoY
-13.2% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.99%
+1.6% YoY
-2.2% QoQ
|
-0.87% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
81.85%
-0.6% YoY
+2.6% QoQ
|
+14.13% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
2.19%
-7.5% QoQ
|
+1.55% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
45.90%
-2.7% YoY
+12.1% QoQ
|
-28.62% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.81%
-0.1% YoY
-2.9% QoQ
|
-3.58% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.94%
+3.4% QoQ
|
+0.49% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
20.14%
+6.7% YoY
-7.7% QoQ
|
+11.29% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.47%
+8.5% YoY
+27.1% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.90%
(Tier avg: 74.53%, National avg: 78.04%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.90% · Tier avg: 74.53%
86
86th pctile
Tier 1 Capital Ratio
Current: 20.14% · Tier avg: 8.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 22.39%
25
25th pctile
Total Deposits
Current: $88.2M · Tier avg: $183.7M
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
21
21th pctile
Total Assets
Current: $93.9M · Tier avg: $217.5M
18
18th pctile
Efficiency Ratio
Current: 81.85% · Tier avg: 67.73%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
15
15th pctile
Total Loans
Current: $40.5M · Tier avg: $139.2M
11
11th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.64%
Top Weaknesses
11
11th pctile
Delinquency Rate
Current: 2.19% · Tier avg: 0.64%
15
15th pctile
Total Loans
Current: $40.5M · Tier avg: $139.2M
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 81.85% · Tier avg: 67.73%
21
21th pctile
Total Assets
Current: $93.9M · Tier avg: $217.5M
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.45%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
25
25th pctile
Total Deposits
Current: $88.2M · Tier avg: $183.7M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 22.39%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
86
86th pctile
Tier 1 Capital Ratio
Current: 20.14% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.90% · Tier avg: 74.53%