BlastPoint's Banking Scorecard
The First National Bank of Tom Bean
Micro
Specialty: Agricultural
TX
FDIC cert 5557
Designations: ✓ Community bank
Tom Bean, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Tom Bean demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.92% 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 ? |
$149.7M
+4.6% YoY
-0.5% QoQ
|
-$67.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$118.0M
+13.4% YoY
+1.9% QoQ
|
-$21.2M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$130.7M
+3.9% YoY
-0.9% QoQ
|
-$52.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.61%
+79.0% YoY
+46.8% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.77%
+14.6% YoY
+4.3% QoQ
|
+1.92% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
58.35%
-23.0% YoY
-12.6% QoQ
|
-9.37% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
1.36%
+642.1% YoY
+18.8% QoQ
|
+0.72% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
90.27%
+9.2% YoY
+2.9% QoQ
|
+15.74% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
22.83%
+9.4% YoY
+2.9% QoQ
|
+0.43% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.13%
+318.6% YoY
+20.2% QoQ
|
+0.67% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
17.44%
+3.5% YoY
+5.3% QoQ
|
+8.59% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.54%
-7.0% YoY
+37.5% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.77%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Net Interest Margin
Current: 5.77% · Tier avg: 3.85%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.27% · Tier avg: 74.53%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
72
72th pctile
Efficiency Ratio
Current: 58.35% · Tier avg: 67.73%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.83% · Tier avg: 22.39%
49
49th pctile
Total Loans
Current: $118.0M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $149.7M · Tier avg: $217.5M
21
21th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
Top Weaknesses
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.64%
38
38th pctile
Total Assets
Current: $149.7M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $118.0M · Tier avg: $139.2M
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.83% · Tier avg: 22.39%
72
72th pctile
Efficiency Ratio
Current: 58.35% · Tier avg: 67.73%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.27% · Tier avg: 74.53%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.44% · Tier avg: 8.85%
97
97th pctile
Net Interest Margin
Current: 5.77% · Tier avg: 3.85%