BlastPoint's Banking Scorecard
The City National Bank of Taylor
Micro
Specialty: Other
TX
FDIC cert 5548
Designations: ✓ Community bank
Taylor, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The City National Bank of Taylor demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.12% 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 ? |
$239.4M
-0.0% YoY
+0.7% QoQ
|
+$21.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$148.1M
+3.3% YoY
+1.4% QoQ
|
+$8.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$210.7M
-1.2% YoY
+1.5% QoQ
|
+$27.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.65%
+58.6% YoY
+2.8% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.52%
-1.3% YoY
+0.1% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
67.37%
+7.0% YoY
-1.3% QoQ
|
-0.36% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.41%
-36.6% YoY
-30.3% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
70.28%
+4.6% YoY
-0.1% QoQ
|
-4.25% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
33.86%
+1.1% YoY
+5.7% QoQ
|
+11.47% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-34.5% YoY
-29.8% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
26.97%
-0.8% YoY
-3.6% QoQ
|
+18.12% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.80%
-1.4% YoY
+34.5% QoQ
|
+0.23% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.97%
(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
94
94th pctile
Tier 1 Capital Ratio
Current: 26.97% · Tier avg: 8.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.86% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
62
62th pctile
Total Deposits
Current: $210.7M · Tier avg: $183.7M
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.28% · Tier avg: 74.53%
60
60th pctile
Total Assets
Current: $239.4M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $148.1M · Tier avg: $139.2M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
47
47th pctile
Efficiency Ratio
Current: 67.37% · Tier avg: 67.73%
Top Weaknesses
47
47th pctile
Efficiency Ratio
Current: 67.37% · Tier avg: 67.73%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
60
60th pctile
Total Loans
Current: $148.1M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $239.4M · Tier avg: $217.5M
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.28% · Tier avg: 74.53%
62
62th pctile
Total Deposits
Current: $210.7M · Tier avg: $183.7M
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.86% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.97% · Tier avg: 8.85%