BlastPoint's Banking Scorecard
The First National Bank of Stanton
Micro
Specialty: Other
TX
FDIC cert 5536
Designations: ✓ Community bank
Stanton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Stanton demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.45% above tier
- + Efficiency Ratio 39.08% below tier
- + Loan-to-Deposit Ratio 46.35% below tier
- + Non-Interest-Bearing Deposit Share 27.86% above tier
- + Tier 1 Capital Ratio 26.30% above 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 ? |
$436.4M
+1.5% YoY
+3.3% QoQ
|
+$218.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$105.3M
+5.7% YoY
+1.9% QoQ
|
-$33.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$373.7M
-1.2% YoY
+4.9% QoQ
|
+$190.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
2.53%
-1.4% YoY
+0.1% QoQ
|
+1.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
3.95%
-0.7% YoY
+1.1% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
28.64%
+1.6% YoY
-0.9% QoQ
|
-39.08% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.02%
+396.7% YoY
-67.3% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
28.17%
+6.9% YoY
-2.8% QoQ
|
-46.35% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.26%
+3.7% YoY
+14.8% QoQ
|
+27.86% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.00%
+417.2% YoY
-67.7% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
35.15%
+5.4% YoY
-5.9% QoQ
|
+26.30% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.72%
-11.7% YoY
+29.7% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
28.64%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
28.17%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
50.26%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
35.15%
(Tier avg: 8.85%, National avg: 9.75%)
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
100
100th pctile
Efficiency Ratio
Current: 28.64% · Tier avg: 67.73%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.17% · Tier avg: 74.53%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.26% · Tier avg: 22.39%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.15% · Tier avg: 8.85%
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
93
93th pctile
Total Deposits
Current: $373.7M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $436.4M · Tier avg: $217.5M
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
45
45th pctile
Total Loans
Current: $105.3M · Tier avg: $139.2M
Top Weaknesses
45
45th pctile
Total Loans
Current: $105.3M · Tier avg: $139.2M
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $436.4M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $373.7M · Tier avg: $183.7M
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.15% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.26% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.17% · Tier avg: 74.53%
100
100th pctile
Efficiency Ratio
Current: 28.64% · Tier avg: 67.73%