BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 16695
Designations: ✓ Community bank
Stratford, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank shows strong momentum with 4 strengths and 9.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.30% above tier
- + Efficiency Ratio 24.69% below tier
- + Delinquency Rate 0.64% below 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 ? |
$369.8M
+9.8% YoY
+5.3% QoQ
|
+$152.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$217.8M
+5.3% YoY
-0.0% QoQ
|
+$78.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$325.2M
+8.5% YoY
+5.3% QoQ
|
+$141.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
2.38%
+19.5% YoY
+0.4% QoQ
|
+1.30% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
3.82%
+8.2% YoY
-0.2% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
43.04%
-10.3% YoY
-0.8% QoQ
|
-24.69% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
66.98%
-3.0% YoY
-5.1% QoQ
|
-7.55% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
33.85%
+1.1% YoY
-1.5% QoQ
|
+11.46% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
0.53%
-7.7% YoY
+26.0% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.04%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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
Efficiency Ratio
Current: 43.04% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.38% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.85% · Tier avg: 22.39%
86
86th pctile
Total Deposits
Current: $325.2M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $369.8M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $217.8M · Tier avg: $139.2M
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.98% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
Top Weaknesses
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 66.98% · Tier avg: 74.53%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
78
78th pctile
Total Loans
Current: $217.8M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $369.8M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $325.2M · Tier avg: $183.7M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.85% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.38% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.04% · Tier avg: 67.73%
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%