BlastPoint's Banking Scorecard
First State Bank of Bedias
Micro
Specialty: Agricultural
TX
FDIC cert 16895
Designations: ✓ Community bank
Bedias, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of Bedias shows strong momentum with 2 strengths and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.32% above tier
- + Efficiency Ratio 19.33% 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 ? |
$213.3M
+6.1% YoY
-0.4% QoQ
|
-$4.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$125.1M
+3.6% YoY
+0.2% QoQ
|
-$14.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$173.4M
+5.1% YoY
-1.2% QoQ
|
-$10.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.41%
-14.6% YoY
-2.0% QoQ
|
+1.32% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.75%
-6.4% YoY
+1.4% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
48.40%
+6.3% YoY
-2.6% QoQ
|
-19.33% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.54%
+21.9% YoY
-27.6% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
72.16%
-1.5% YoY
+1.4% QoQ
|
-2.37% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
30.58%
-0.7% YoY
-1.4% QoQ
|
+8.18% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.32%
+19.0% YoY
-27.2% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
48% |
| 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 ? |
0.50%
-9.0% YoY
+34.8% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.40%
(Tier avg: 67.73%, National avg: 65.09%)
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
Return on Assets
Current: 2.41% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.40% · Tier avg: 67.73%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.58% · Tier avg: 22.39%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.16% · Tier avg: 74.53%
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $173.4M · Tier avg: $183.7M
52
52th pctile
Total Loans
Current: $125.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
Top Weaknesses
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $125.1M · Tier avg: $139.2M
52
52th pctile
Total Deposits
Current: $173.4M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.16% · Tier avg: 74.53%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.58% · Tier avg: 22.39%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
92
92th pctile
Efficiency Ratio
Current: 48.40% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%