BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
FL
FDIC cert 17509
Key West, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
First State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Flatlined Growth: Bottom 12% in Community
- - Credit Quality Pressure: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-0.2% YoY
-1.7% QoQ
|
-$247.6M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$824.6M
+1.0% YoY
+3.0% QoQ
|
-$150.9M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$1.0B
+2.2% YoY
-2.0% QoQ
|
-$151.1M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.60%
-48.8% YoY
-6.4% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.29%
+11.3% YoY
+1.8% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
78.39%
-5.7% YoY
+2.3% QoQ
|
+15.76% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.21%
+22.6% YoY
-9.1% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
81.36%
-1.1% YoY
+5.1% QoQ
|
-1.70% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
23.20%
-2.0% YoY
+2.1% QoQ
|
+2.15% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.15%
+24.2% YoY
-4.7% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
15.30%
-8.7% YoY
-3.6% QoQ
|
+5.05% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.45%
+29.9% YoY
+30.7% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#7 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#31 of 245 · Bottom 12% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.60%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#126 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.21%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
78
78th pctile
Tier 1 Capital Ratio
Current: 15.30% · Tier avg: 10.24%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 21.05%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Loans
Current: $824.6M · Tier avg: $975.5M
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.36% · Tier avg: 83.06%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.39% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.39% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.36% · Tier avg: 83.06%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Total Loans
Current: $824.6M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 21.05%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.30% · Tier avg: 10.24%