BlastPoint's Banking Scorecard
The City National Bank of Sulphur Springs
Community
Specialty: Commercial
TX
FDIC cert 5544
Sulphur Springs, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The City National Bank of Sulphur Springs demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 27% in Community
- + Revenue Diversifier: Top 45% in Community
- + Deposit Franchise: Top 62% in Community
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 ? |
$1.4B
+3.3% YoY
+0.2% QoQ
|
-$39.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$919.5M
+4.1% YoY
+1.4% QoQ
|
-$56.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$1.2B
+4.2% YoY
-0.1% QoQ
|
+$43.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.96%
+20.2% YoY
+1.0% QoQ
|
+0.80% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.54%
+7.7% YoY
+1.6% QoQ
|
+0.88% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
55.62%
-6.0% YoY
-0.8% QoQ
|
-7.01% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.65%
-28.0% YoY
-19.2% QoQ
|
+0.02% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
76.10%
-0.1% YoY
+1.5% QoQ
|
-6.96% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
31.73%
-3.0% YoY
-3.9% QoQ
|
+10.69% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-28.4% YoY
-19.3% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
14.32%
+5.1% YoY
-0.3% QoQ
|
+4.07% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.87%
+6.8% YoY
+36.5% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#102 of 371 · Top 27% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.96%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#166 of 371 · Top 45% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.87%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.96%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#94 of 150 · Top 62% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.73%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.54%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
Return on Assets
Current: 1.96% · Tier avg: 1.16%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.73% · Tier avg: 21.05%
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.32% · Tier avg: 10.24%
71
71th pctile
Efficiency Ratio
Current: 55.62% · Tier avg: 62.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.10% · Tier avg: 83.06%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Total Loans
Current: $919.5M · Tier avg: $975.5M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
Top Weaknesses
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
65
65th pctile
Total Loans
Current: $919.5M · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.10% · Tier avg: 83.06%
71
71th pctile
Efficiency Ratio
Current: 55.62% · Tier avg: 62.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.32% · Tier avg: 10.24%
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.73% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
90
90th pctile
Return on Assets
Current: 1.96% · Tier avg: 1.16%