BlastPoint's Banking Scorecard
First State Bank of Burnet
Micro
Specialty: Commercial
TX
FDIC cert 11557
Designations: ✓ Community bank
Burnet, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of Burnet shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.78% 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 ? |
$322.7M
+9.7% YoY
+2.2% QoQ
|
+$105.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$178.3M
+32.6% YoY
+9.6% QoQ
|
+$39.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$282.4M
+5.9% YoY
+0.4% QoQ
|
+$98.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.46%
+42.0% YoY
+5.1% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.58%
+16.6% YoY
+1.3% QoQ
|
-0.27% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
60.05%
-11.8% YoY
-2.0% QoQ
|
-7.68% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-24.6% YoY
-34.8% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
63.13%
+25.2% YoY
+9.1% QoQ
|
-11.40% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
38.17%
-7.8% YoY
-3.0% QoQ
|
+15.78% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-8.9% YoY
-30.1% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
83% |
| 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 ? |
0.23%
-3.9% YoY
+30.2% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.17%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 22.39%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
78
78th pctile
Total Deposits
Current: $282.4M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $322.7M · Tier avg: $217.5M
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.13% · Tier avg: 74.53%
68
68th pctile
Total Loans
Current: $178.3M · Tier avg: $139.2M
67
67th pctile
Efficiency Ratio
Current: 60.05% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Efficiency Ratio
Current: 60.05% · Tier avg: 67.73%
68
68th pctile
Total Loans
Current: $178.3M · Tier avg: $139.2M
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.13% · Tier avg: 74.53%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
76
76th pctile
Total Assets
Current: $322.7M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $282.4M · Tier avg: $183.7M
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.17% · Tier avg: 22.39%