BlastPoint's Banking Scorecard
First State Bank of Odem
Micro
Specialty: Commercial
TX
FDIC cert 16334
Designations: ✓ Community bank
Odem, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of Odem demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.09% above tier
- + Net Interest Margin 1.67% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 21.69% above tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$201.3M
+0.2% YoY
-1.6% QoQ
|
-$16.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$92.3M
-2.6% YoY
-0.6% QoQ
|
-$46.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$171.6M
+2.5% YoY
-2.0% QoQ
|
-$12.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.18%
-19.2% YoY
+1.1% QoQ
|
+1.09% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
5.52%
-7.2% YoY
-0.6% QoQ
|
+1.67% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
50.70%
+9.6% YoY
-0.1% QoQ
|
-17.02% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
53.76%
-4.9% YoY
+1.5% QoQ
|
-20.77% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
44.08%
-3.6% YoY
-1.1% QoQ
|
+21.69% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.55%
-14.2% YoY
+36.5% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.52%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
44.08%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Net Interest Margin
Current: 5.52% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 44.08% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.70% · Tier avg: 67.73%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.76% · Tier avg: 74.53%
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
52
52th pctile
Total Assets
Current: $201.3M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $171.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Loans
Current: $92.3M · Tier avg: $139.2M
Top Weaknesses
40
40th pctile
Total Loans
Current: $92.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $171.6M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $201.3M · Tier avg: $217.5M
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.76% · Tier avg: 74.53%
89
89th pctile
Efficiency Ratio
Current: 50.70% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.08%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 44.08% · Tier avg: 22.39%
96
96th pctile
Net Interest Margin
Current: 5.52% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%