BlastPoint's Banking Scorecard
First State Bank of San Diego
Micro
Specialty: Other
TX
FDIC cert 17350
Designations: ✓ Community bank
San Diego, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank of San Diego demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 48.98% below tier
- + Tier 1 Capital Ratio 16.60% above 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 ? |
$73.7M
+0.6% YoY
+6.7% QoQ
|
-$143.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$17.1M
-8.0% YoY
-11.4% QoQ
|
-$122.1M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$66.9M
-0.3% YoY
+7.3% QoQ
|
-$116.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.88%
-7.0% YoY
-3.7% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.87%
+8.8% YoY
+0.4% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
78.06%
+3.1% YoY
+1.2% QoQ
|
+10.33% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
1.82%
-8.9% YoY
+10.0% QoQ
|
+1.18% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
25.55%
-7.8% YoY
-17.4% QoQ
|
-48.98% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.91%
-10.8% YoY
-0.3% QoQ
|
+12.51% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.42%
-16.7% YoY
-8.6% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
25.46%
+2.5% YoY
+9.5% QoQ
|
+16.60% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.34%
-25.2% YoY
+28.2% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
25.55%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.46%
(Tier avg: 8.85%, National avg: 9.75%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 25.55% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.46% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.91% · Tier avg: 22.39%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.06% · Tier avg: 67.73%
16
16th pctile
Total Deposits
Current: $66.9M · Tier avg: $183.7M
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
14
14th pctile
Total Assets
Current: $73.7M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $17.1M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $17.1M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $73.7M · Tier avg: $217.5M
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
16
16th pctile
Total Deposits
Current: $66.9M · Tier avg: $183.7M
23
23th pctile
Efficiency Ratio
Current: 78.06% · Tier avg: 67.73%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.91% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.46% · Tier avg: 8.85%
99
99th pctile
Loan-to-Deposit Ratio
Current: 25.55% · Tier avg: 74.53%