BlastPoint's Banking Scorecard
The First National Bank of Sonora
Community
Specialty: Commercial
TX
FDIC cert 5531
Sonora, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First National Bank of Sonora faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5% in Community
- - Margin Compression: Bottom 27% in Community
- - Credit Risk Growth: Bottom 44% in Community
- - Nonperforming Asset Ratio 1.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$683.7M
+10.8% YoY
-0.6% QoQ
|
-$707.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$460.3M
+8.9% YoY
+4.4% QoQ
|
-$515.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$622.1M
+11.5% YoY
-0.9% QoQ
|
-$542.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.87%
-17.7% YoY
-1.8% QoQ
|
-0.29% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
4.38%
-3.9% YoY
+3.0% QoQ
|
+0.71% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
80.80%
+4.3% YoY
+0.7% QoQ
|
+18.16% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.58%
+9.3% YoY
-13.6% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
73.99%
-2.3% YoY
+5.3% QoQ
|
-9.08% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
29.78%
-5.0% YoY
+1.9% QoQ
|
+8.73% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
2.04%
+105.1% YoY
+19.0% QoQ
|
+1.54% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
10.53%
-17.8% YoY
-3.1% QoQ
|
+0.28% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.64%
+11.6% YoY
+24.4% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#9 of 152 · Bottom 5% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.80%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Margin Compression
decline
#33 of 120 · Bottom 27% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.87%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#286 of 642 · Bottom 44% 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
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.04%
(Tier avg: 0.50%, National avg: 0.48%)
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
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.78% · Tier avg: 21.05%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.99% · Tier avg: 83.06%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.53% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $622.1M · Tier avg: $1.2B
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
26
26th pctile
Total Assets
Current: $683.7M · Tier avg: $1.4B
24
24th pctile
Total Loans
Current: $460.3M · Tier avg: $975.5M
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
10
10th pctile
Efficiency Ratio
Current: 80.80% · Tier avg: 62.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.04% · Tier avg: 0.50%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.04% · Tier avg: 0.50%
10
10th pctile
Efficiency Ratio
Current: 80.80% · Tier avg: 62.63%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
24
24th pctile
Total Loans
Current: $460.3M · Tier avg: $975.5M
26
26th pctile
Total Assets
Current: $683.7M · Tier avg: $1.4B
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
30
30th pctile
Total Deposits
Current: $622.1M · Tier avg: $1.2B
33
33th pctile
Tier 1 Capital Ratio
Current: 10.53% · Tier avg: 10.24%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.99% · Tier avg: 83.06%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 29.78% · Tier avg: 21.05%