BlastPoint's Banking Scorecard
The First National Bank of Sterling City
Micro
Specialty: Agricultural
TX
FDIC cert 5538
Designations: ✓ Community bank
Sterling City, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Sterling City has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.25% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 20.56% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 30.32% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 56.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.3M
+8.5% YoY
+1.6% QoQ
|
+$27.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$40.6M
+5.7% YoY
-6.3% QoQ
|
-$98.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$223.9M
+4.2% YoY
+1.2% QoQ
|
+$40.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.47%
+14.2% YoY
+0.3% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
2.84%
+9.9% YoY
+0.5% QoQ
|
-1.02% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
49.48%
-3.9% YoY
+0.8% QoQ
|
-18.25% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| 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 ? |
18.13%
+1.5% YoY
-7.4% QoQ
|
-56.40% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.96%
-8.0% YoY
+0.1% QoQ
|
+20.56% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% 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 ? |
39.17%
+5.6% YoY
+6.1% QoQ
|
+30.32% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.19%
-2.9% YoY
+29.1% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (5)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.48%
(Tier avg: 67.73%, National avg: 65.09%)
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 5%
in Micro
Why this stands out
Current:
42.96%
(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%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
39.17%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
18.13%
(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%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.17% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.96% · Tier avg: 22.39%
91
91th pctile
Efficiency Ratio
Current: 49.48% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
66
66th pctile
Total Deposits
Current: $223.9M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $245.3M · Tier avg: $217.5M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
15
15th pctile
Total Loans
Current: $40.6M · Tier avg: $139.2M
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
1
1th pctile
Loan-to-Deposit Ratio
Current: 18.13% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 18.13% · Tier avg: 74.53%
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
15
15th pctile
Total Loans
Current: $40.6M · Tier avg: $139.2M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
62
62th pctile
Total Assets
Current: $245.3M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $223.9M · Tier avg: $183.7M
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.48% · Tier avg: 67.73%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.96% · Tier avg: 22.39%
99
99th pctile
Tier 1 Capital Ratio
Current: 39.17% · Tier avg: 8.85%
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%