BlastPoint's Banking Scorecard
First National Bank of Bosque County
Micro
Specialty: Commercial
TX
FDIC cert 5564
Designations: ✓ Community bank
Valley Mills, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First National Bank of Bosque County shows strong momentum with 1 strength and 11.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.06% 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 ? |
$188.6M
+11.7% YoY
+0.2% QoQ
|
-$28.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$135.6M
+7.3% YoY
+1.7% QoQ
|
-$3.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$166.0M
+11.4% YoY
+0.0% QoQ
|
-$17.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.14%
+3.5% YoY
-0.9% QoQ
|
+1.06% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.62%
+3.7% YoY
+0.2% QoQ
|
+0.77% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
54.96%
-1.9% YoY
-0.1% QoQ
|
-12.76% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.93%
-3.0% YoY
-17.4% QoQ
|
+0.29% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
81.71%
-3.7% YoY
+1.6% QoQ
|
+7.19% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
35.05%
-5.7% YoY
-1.8% QoQ
|
+12.66% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.67%
-6.8% YoY
-16.2% QoQ
|
+0.22% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
17.34%
+5.5% YoY
+2.5% QoQ
|
+8.49% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.57%
-19.3% YoY
+48.9% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 1.08%, National avg: 1.12%)
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
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.05% · Tier avg: 22.39%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
81
81th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 67.73%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.34% · Tier avg: 8.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 81.71% · Tier avg: 74.53%
55
55th pctile
Total Loans
Current: $135.6M · Tier avg: $139.2M
50
50th pctile
Total Deposits
Current: $166.0M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.6M · Tier avg: $217.5M
30
30th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
Top Weaknesses
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.93% · Tier avg: 0.64%
48
48th pctile
Total Assets
Current: $188.6M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $166.0M · Tier avg: $183.7M
55
55th pctile
Total Loans
Current: $135.6M · Tier avg: $139.2M
61
61th pctile
Loan-to-Deposit Ratio
Current: 81.71% · Tier avg: 74.53%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.34% · Tier avg: 8.85%
81
81th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 67.73%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.05% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%