BlastPoint's Banking Scorecard
The First State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 11175
Designations: ✓ Community bank
Abernathy, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First State Bank shows strong momentum with 4 strengths and 12.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.99% above tier
- + Net Interest Margin 3.25% above tier
- + Non-Interest-Bearing Deposit Share 18.16% above tier
- + Non-Interest Income / Assets 0.48% 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 ? |
$127.6M
+12.9% YoY
+4.3% QoQ
|
-$89.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$85.7M
+16.4% YoY
+3.9% QoQ
|
-$53.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$95.2M
+27.9% YoY
+8.1% QoQ
|
-$88.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
2.08%
+62.0% YoY
+11.2% QoQ
|
+0.99% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
7.10%
-3.2% YoY
-0.5% QoQ
|
+3.25% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
63.80%
-14.1% YoY
-4.5% QoQ
|
-3.92% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
1.26%
-74.1% QoQ
|
+0.62% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
90.02%
-9.0% YoY
-4.0% QoQ
|
+15.50% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
40.55%
-8.8% YoY
-4.6% QoQ
|
+18.16% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.85%
-74.2% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
16.02%
-5.3% YoY
+2.5% QoQ
|
+7.17% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
1.04%
-6.0% YoY
+118.1% QoQ
|
+0.48% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.10%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.55%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Net Interest Margin
Current: 7.10% · Tier avg: 3.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.55% · Tier avg: 22.39%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.02% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.80% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $85.7M · Tier avg: $139.2M
31
31th pctile
Total Assets
Current: $127.6M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $95.2M · Tier avg: $183.7M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.64%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.02% · Tier avg: 74.53%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.02% · Tier avg: 74.53%
23
23th pctile
Delinquency Rate
Current: 1.26% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
27
27th pctile
Total Deposits
Current: $95.2M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $127.6M · Tier avg: $217.5M
37
37th pctile
Total Loans
Current: $85.7M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.80% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.02% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.08%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.55% · Tier avg: 22.39%
100
100th pctile
Net Interest Margin
Current: 7.10% · Tier avg: 3.85%