BlastPoint's Banking Scorecard
The MINT National Bank
Micro
Specialty: Commercial
TX
FDIC cert 58764
Designations: ✓ Community bank
Kingwood, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The MINT National Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.03% above tier
- - Loan-to-Deposit Ratio 24.63% above tier
- - Non-Interest-Bearing Deposit Share 14.61% below tier
- - Nonperforming Asset Ratio 3.58% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$401.5M
-9.9% YoY
-1.2% QoQ
|
+$184.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$316.6M
-7.1% YoY
-1.1% QoQ
|
+$177.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$319.3M
-13.4% YoY
-1.9% QoQ
|
+$135.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.49%
+15.2% YoY
+11.1% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.83%
+9.5% YoY
-0.1% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
59.90%
+9.8% YoY
-4.0% QoQ
|
-7.82% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
3.67%
-16.2% YoY
+89.0% QoQ
|
+3.03% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
99.15%
+7.2% YoY
+0.8% QoQ
|
+24.63% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.78%
+14.5% YoY
-12.8% QoQ
|
-14.61% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
4.03%
+18.4% YoY
+21.6% QoQ
|
+3.58% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.59%
-30.6% YoY
+31.8% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.67%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.15%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.78%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.03%
(Tier avg: 0.45%, 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
95
95th pctile
Total Loans
Current: $316.6M · Tier avg: $139.2M
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M
88
88th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
85
85th pctile
Total Deposits
Current: $319.3M · Tier avg: $183.7M
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.90% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.15% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.78% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.67% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.03% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.03% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.67% · Tier avg: 0.64%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.78% · Tier avg: 22.39%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.15% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.90% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
85
85th pctile
Total Deposits
Current: $319.3M · Tier avg: $183.7M
88
88th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $316.6M · Tier avg: $139.2M