BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
TX
FDIC cert 15511
Gainesville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16% in Community
- + Loan-to-Deposit Ratio 22.72% below tier
- + Non-Interest-Bearing Deposit Share 13.84% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+3.3% YoY
-0.9% QoQ
|
+$430.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$984.1M
+7.9% YoY
+1.1% QoQ
|
+$8.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.6B
-1.3% YoY
-1.3% QoQ
|
+$466.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.18%
+625.2% YoY
-8.5% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.67%
+22.3% YoY
+4.7% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
62.37%
-28.5% YoY
+7.6% QoQ
|
-0.26% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.90%
+91.8% YoY
+71.3% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
60.34%
+9.3% YoY
+2.5% QoQ
|
-22.72% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.88%
-3.7% YoY
-0.0% QoQ
|
+13.84% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.49%
+100.3% YoY
+74.8% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.39%
+4.0% YoY
-0.3% QoQ
|
+3.15% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
1.94%
+166.4% YoY
+12.3% QoQ
|
+1.20% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#62 of 371 · Top 16% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.94%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.34%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.88%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Deposit Outflow
decline
#88 of 248 · Bottom 35% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.94% · Tier avg: 0.74%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 21.05%
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.34% · Tier avg: 83.06%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $984.1M · Tier avg: $975.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
49
49th pctile
Efficiency Ratio
Current: 62.37% · Tier avg: 62.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
Top Weaknesses
29
29th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
49
49th pctile
Efficiency Ratio
Current: 62.37% · Tier avg: 62.63%
52
52th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.39% · Tier avg: 10.24%
67
67th pctile
Total Loans
Current: $984.1M · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.34% · Tier avg: 83.06%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.88% · Tier avg: 21.05%
95
95th pctile
Non-Interest Income / Assets
Current: 1.94% · Tier avg: 0.74%