BlastPoint's Banking Scorecard
The City National Bank of San Saba
Micro
Specialty: Agricultural
TX
FDIC cert 5518
Designations: ✓ Community bank
San Saba, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The City National Bank of San Saba has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 14.54% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.66% below tier
- - Loan-to-Deposit Ratio 63.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.4M
-0.6% YoY
+1.8% QoQ
|
-$136.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$8.2M
-13.4% YoY
-1.6% QoQ
|
-$131.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$71.6M
-2.4% YoY
+1.9% QoQ
|
-$112.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.68%
+92.5% YoY
-26.4% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.19%
+23.3% YoY
-8.6% QoQ
|
-1.66% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
72.25%
-12.4% YoY
+10.5% QoQ
|
+4.53% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| 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 ? |
11.42%
-11.2% YoY
-3.4% QoQ
|
-63.11% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.93%
-5.6% YoY
+0.5% QoQ
|
+14.54% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-0.5% YoY
+27.4% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
36.93%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
11.42%
(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
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%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.93% · Tier avg: 22.39%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Efficiency Ratio
Current: 72.25% · Tier avg: 67.73%
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $81.4M · Tier avg: $217.5M
3
3th pctile
Net Interest Margin
Current: 2.19% · Tier avg: 3.85%
3
3th pctile
Total Loans
Current: $8.2M · Tier avg: $139.2M
0
0th pctile
Loan-to-Deposit Ratio
Current: 11.42% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 11.42% · Tier avg: 74.53%
3
3th pctile
Total Loans
Current: $8.2M · Tier avg: $139.2M
3
3th pctile
Net Interest Margin
Current: 2.19% · Tier avg: 3.85%
17
17th pctile
Total Assets
Current: $81.4M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.25% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 36.93% · Tier avg: 22.39%
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%