BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 16643
Designations: ✓ Community bank
Junction, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier
- + Loan-to-Deposit Ratio 37.66% 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 ? |
$61.1M
+4.4% YoY
+4.5% QoQ
|
-$156.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$20.3M
-2.6% YoY
-3.2% QoQ
|
-$118.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$54.9M
+2.6% YoY
+5.4% QoQ
|
-$128.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.47%
+7.1% YoY
+10.1% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
5.58%
+7.7% YoY
-2.0% QoQ
|
+1.73% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
60.56%
+0.1% YoY
+0.9% QoQ
|
-7.17% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.28%
-48.0% YoY
+15.8% QoQ
|
+0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
36.86%
-5.1% YoY
-8.1% QoQ
|
-37.66% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.78%
-11.5% YoY
-10.3% QoQ
|
+8.39% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.43%
-51.5% YoY
+7.3% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| 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 ? |
0.46%
+3.9% YoY
+32.3% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.58%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.86%
(Tier avg: 74.53%, National avg: 78.04%)
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
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.86% · Tier avg: 74.53%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.78% · Tier avg: 22.39%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
66
66th pctile
Efficiency Ratio
Current: 60.56% · Tier avg: 67.73%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
12
12th pctile
Total Deposits
Current: $54.9M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $61.1M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.3M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $20.3M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $61.1M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $54.9M · Tier avg: $183.7M
23
23th pctile
Delinquency Rate
Current: 1.28% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
66
66th pctile
Efficiency Ratio
Current: 60.56% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.78% · Tier avg: 22.39%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.86% · Tier avg: 74.53%
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%