BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
MS
FDIC cert 15663
Waynesboro, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
First State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36% in Community
- - Capital Thin: Bottom 41% in Community
- - Return on Assets 0.77% below tier
- - Net Interest Margin 0.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$949.8M
+3.8% YoY
+2.3% QoQ
|
-$441.7M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$496.4M
+14.8% YoY
+3.6% QoQ
|
-$479.0M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$852.4M
+5.2% YoY
+2.7% QoQ
|
-$312.2M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
0.39%
+85.1% YoY
-1.0% QoQ
|
-0.77% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.71%
+22.4% YoY
+2.4% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
80.75%
-11.9% YoY
-1.2% QoQ
|
+18.11% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.28%
-6.1% YoY
-10.3% QoQ
|
+0.65% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
58.24%
+9.1% YoY
+0.9% QoQ
|
-24.82% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.79%
-4.2% YoY
-3.3% QoQ
|
-4.25% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.98%
-0.3% YoY
-10.1% QoQ
|
+0.48% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
+6.9% YoY
+28.7% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#55 of 152 · Bottom 36% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.75%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#176 of 432 · Bottom 41% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Return on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Community
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.71%
(Tier avg: 3.66%, National avg: 3.75%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.24% · Tier avg: 83.06%
51
51th pctile
Total Deposits
Current: $852.4M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $949.8M · Tier avg: $1.4B
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.79% · Tier avg: 21.05%
31
31th pctile
Total Loans
Current: $496.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
10
10th pctile
Efficiency Ratio
Current: 80.75% · Tier avg: 62.63%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
Top Weaknesses
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.66%
10
10th pctile
Efficiency Ratio
Current: 80.75% · Tier avg: 62.63%
19
19th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Loans
Current: $496.4M · Tier avg: $975.5M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.79% · Tier avg: 21.05%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
46
46th pctile
Total Assets
Current: $949.8M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $852.4M · Tier avg: $1.2B
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.24% · Tier avg: 83.06%