BlastPoint's Banking Scorecard
First State Bank and Trust Company
Community
Specialty: Mortgage
TX
FDIC cert 11559
Carthage, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First State Bank and Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 45.93% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 15% in Community
- - Flatlined Growth: Bottom 15% in Community
- - Net Interest Margin 1.24% below tier
- - Delinquency Rate 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$541.9M
+0.1% YoY
+2.0% QoQ
|
-$849.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$179.5M
-0.3% YoY
-1.6% QoQ
|
-$796.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$483.4M
+6.3% YoY
+6.0% QoQ
|
-$681.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.64%
+55.9% YoY
+2.4% QoQ
|
-0.52% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.43%
+25.5% YoY
+3.8% QoQ
|
-1.24% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
69.11%
-10.3% YoY
-3.6% QoQ
|
+6.48% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
2.04%
+47.4% YoY
+4.9% QoQ
|
+1.42% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
37.13%
-6.2% YoY
-7.2% QoQ
|
-45.93% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.63%
-2.8% YoY
-5.6% QoQ
|
-3.42% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.68%
+42.6% YoY
+1.3% QoQ
|
+0.18% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| 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 ? |
0.56%
-1.7% YoY
+35.4% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
37.13%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Capital Thin
risk
#65 of 432 · Bottom 15% 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 declining
Flatlined Growth
risk
#38 of 245 · Bottom 15% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.64%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.43%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.04%
(Tier avg: 0.63%, National avg: 0.66%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 37.13% · Tier avg: 83.06%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 21.05%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
11
11th pctile
Total Deposits
Current: $483.4M · Tier avg: $1.2B
9
9th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.63%
6
6th pctile
Total Assets
Current: $541.9M · Tier avg: $1.4B
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
1
1th pctile
Total Loans
Current: $179.5M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $179.5M · Tier avg: $975.5M
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.66%
6
6th pctile
Total Assets
Current: $541.9M · Tier avg: $1.4B
9
9th pctile
Delinquency Rate
Current: 2.04% · Tier avg: 0.63%
11
11th pctile
Total Deposits
Current: $483.4M · Tier avg: $1.2B
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
29
29th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 21.05%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
98
98th pctile
Loan-to-Deposit Ratio
Current: 37.13% · Tier avg: 83.06%