BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
TX
FDIC cert 15206
Athens, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First State Bank shows strong momentum with 1 strength and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 50% in Community
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 ? |
$762.6M
+8.0% YoY
+3.1% QoQ
|
-$628.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$483.8M
+1.6% YoY
-1.7% QoQ
|
-$491.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$673.5M
+7.0% YoY
+3.3% QoQ
|
-$491.1M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.52%
+22.7% YoY
+4.8% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.30%
+14.5% YoY
+2.2% QoQ
|
+0.64% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
58.89%
-6.9% YoY
-1.6% QoQ
|
-3.74% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.90%
-6.8% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
71.83%
-5.0% YoY
-4.8% QoQ
|
-11.23% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
37.20%
+0.3% YoY
-3.8% QoQ
|
+16.15% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.58%
+923.8% YoY
-11.1% QoQ
|
+0.08% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.68%
-10.5% YoY
+34.3% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#76 of 150 · Top 50% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
37.20%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.30%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.20% · Tier avg: 21.05%
81
81th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.66%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.83% · Tier avg: 83.06%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
67
67th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
61
61th pctile
Efficiency Ratio
Current: 58.89% · Tier avg: 62.63%
36
36th pctile
Total Deposits
Current: $673.5M · Tier avg: $1.2B
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
32
32th pctile
Total Assets
Current: $762.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
28
28th pctile
Total Loans
Current: $483.8M · Tier avg: $975.5M
Top Weaknesses
28
28th pctile
Total Loans
Current: $483.8M · Tier avg: $975.5M
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Assets
Current: $762.6M · Tier avg: $1.4B
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
36
36th pctile
Total Deposits
Current: $673.5M · Tier avg: $1.2B
61
61th pctile
Efficiency Ratio
Current: 58.89% · Tier avg: 62.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
78
78th pctile
Loan-to-Deposit Ratio
Current: 71.83% · Tier avg: 83.06%
81
81th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.66%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.20% · Tier avg: 21.05%