BlastPoint's Banking Scorecard
First State Bank of Texas
Micro
Specialty: Commercial
TX
FDIC cert 11922
Designations: ✓ Community bank
Orange, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of Texas shows strong momentum with 1 strength and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.21% 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 ? |
$368.7M
+9.2% YoY
+3.5% QoQ
|
+$151.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$258.1M
+23.1% YoY
+10.0% QoQ
|
+$118.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$330.6M
+9.2% YoY
+3.8% QoQ
|
+$147.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.52%
-63.2% YoY
+81.9% QoQ
|
-0.56% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
4.77%
-4.0% YoY
+3.7% QoQ
|
+0.92% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
73.39%
+7.1% YoY
-5.0% QoQ
|
+5.66% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.84%
+28.2% YoY
-17.2% QoQ
|
+0.20% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
78.06%
+12.8% YoY
+6.0% QoQ
|
+3.53% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
36.60%
+3.9% YoY
+1.4% QoQ
|
+14.21% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+29.2% YoY
-12.0% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.31%
-4.3% YoY
+32.3% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.60%
(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
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.60% · Tier avg: 22.39%
87
87th pctile
Total Deposits
Current: $330.6M · Tier avg: $183.7M
86
86th pctile
Net Interest Margin
Current: 4.77% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $258.1M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $368.7M · Tier avg: $217.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.06% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
33
33th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.39% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
Top Weaknesses
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.39% · Tier avg: 67.73%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.64%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.06% · Tier avg: 74.53%
84
84th pctile
Total Assets
Current: $368.7M · Tier avg: $217.5M
86
86th pctile
Total Loans
Current: $258.1M · Tier avg: $139.2M
86
86th pctile
Net Interest Margin
Current: 4.77% · Tier avg: 3.85%
87
87th pctile
Total Deposits
Current: $330.6M · Tier avg: $183.7M
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.60% · Tier avg: 22.39%