BlastPoint's Banking Scorecard
First State Bank of Ben Wheeler, Texas
Micro
Specialty: Mortgage
TX
FDIC cert 11904
Designations: ✓ Community bank
Ben Wheeler, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of Ben Wheeler, Texas demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.92% below 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 ? |
$184.3M
-1.0% YoY
+1.5% QoQ
|
-$33.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$68.2M
-0.1% YoY
+0.4% QoQ
|
-$71.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$156.4M
-1.7% YoY
+2.1% QoQ
|
-$27.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.10%
+8.9% YoY
-7.9% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.08%
+12.7% YoY
+0.8% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
68.24%
-0.1% YoY
+2.9% QoQ
|
+0.52% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? | 0.01% | -0.63% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
43.61%
+1.6% YoY
-1.7% QoQ
|
-30.92% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.22%
+0.3% YoY
+2.0% QoQ
|
+3.83% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| 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 ? |
0.75%
+2.0% YoY
+31.8% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.61%
(Tier avg: 74.53%, National avg: 78.04%)
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
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.22% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $156.4M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $184.3M · Tier avg: $217.5M
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
44
44th pctile
Efficiency Ratio
Current: 68.24% · Tier avg: 67.73%
47
47th pctile
Total Assets
Current: $184.3M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $156.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.22% · Tier avg: 22.39%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%