BlastPoint's Banking Scorecard
First National Bank and Trust Company of Weatherford
Community
Specialty: Commercial
TX
FDIC cert 5575
Weatherford, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First National Bank and Trust Company of Weatherford faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2% in Community
- - Deposit Outflow: Bottom 22% in Community
- - Efficiency Drag: Bottom 26% in Community
- - Delinquency Rate 4.94% above tier
- - Nonperforming Asset Ratio 2.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$978.8M
-4.4% YoY
+0.3% QoQ
|
-$412.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$549.1M
-20.8% YoY
-5.7% QoQ
|
-$426.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$882.7M
-4.7% YoY
+0.6% QoQ
|
-$281.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.57%
-9.0% YoY
-6.8% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.31%
-5.6% YoY
-0.2% QoQ
|
+0.64% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
84.25%
+8.7% YoY
+0.6% QoQ
|
+21.61% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
5.57%
+11.0% YoY
-6.0% QoQ
|
+4.94% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
62.20%
-16.9% YoY
-6.2% QoQ
|
-20.86% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.60%
-0.5% YoY
-1.0% QoQ
|
+10.56% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
3.17%
-6.9% YoY
-11.7% QoQ
|
+2.67% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.76%
+4.1% YoY
+28.9% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#10 of 432 · Bottom 2% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#56 of 248 · Bottom 22% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#41 of 152 · Bottom 26% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.25%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.57%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.17%
(Tier avg: 0.50%, National avg: 0.48%)
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
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.20% · Tier avg: 83.06%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.60% · Tier avg: 21.05%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
52
52th pctile
Total Deposits
Current: $882.7M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $978.8M · Tier avg: $1.4B
37
37th pctile
Total Loans
Current: $549.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 84.25% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 5.57% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.57% · Tier avg: 0.63%
7
7th pctile
Efficiency Ratio
Current: 84.25% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Total Loans
Current: $549.1M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $978.8M · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $882.7M · Tier avg: $1.2B
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.60% · Tier avg: 21.05%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.20% · Tier avg: 83.06%