BlastPoint's Banking Scorecard
The First State Bank
Micro
Specialty: Other
TX
FDIC cert 12315
Designations: ✓ Community bank
Columbus, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First State Bank shows strong momentum with 2 strengths and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.58% below tier
- + Non-Interest-Bearing Deposit Share 25.30% 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 ? |
$153.3M
+7.3% YoY
+5.2% QoQ
|
-$64.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$46.5M
-0.7% YoY
-1.3% QoQ
|
-$92.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$133.1M
+5.0% YoY
+5.8% QoQ
|
-$50.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.97%
+46.1% YoY
-3.2% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.08%
+6.9% YoY
+1.1% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
69.74%
-1.4% YoY
+1.9% QoQ
|
+2.01% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.12%
-10.8% YoY
|
-0.52% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
34.94%
-5.4% YoY
-6.7% QoQ
|
-39.58% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
47.69%
+4.3% YoY
+3.7% QoQ
|
+25.30% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-17.5% YoY
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| 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 ? |
0.25%
-5.5% YoY
+27.5% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
34.94%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.69%
(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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.69% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.94% · Tier avg: 74.53%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
41
41th pctile
Efficiency Ratio
Current: 69.74% · Tier avg: 67.73%
40
40th pctile
Total Deposits
Current: $133.1M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $153.3M · Tier avg: $217.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
Top Weaknesses
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
39
39th pctile
Total Assets
Current: $153.3M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.1M · Tier avg: $183.7M
41
41th pctile
Efficiency Ratio
Current: 69.74% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.94% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.69% · Tier avg: 22.39%