BlastPoint's Banking Scorecard
The First State Bank
Community
Specialty: Agricultural
TX
FDIC cert 17588
Louise, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The First State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19% in Community
- + Net Interest Margin 1.60% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$878.8M
+7.4% YoY
+3.9% QoQ
|
-$512.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$624.6M
+13.7% YoY
+1.9% QoQ
|
-$350.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$792.8M
+5.9% YoY
+4.0% QoQ
|
-$371.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.69%
+9.4% YoY
-0.1% QoQ
|
+1.53% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.27%
+3.4% YoY
+0.5% QoQ
|
+1.60% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
50.21%
-5.6% YoY
+0.2% QoQ
|
-12.43% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
1.08%
+1.7% QoQ
|
+0.45% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
78.78%
+7.5% YoY
-2.1% QoQ
|
-4.28% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
2.28%
-46.5% YoY
-28.9% QoQ
|
-18.77% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+0.2% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.75%
+7.7% YoY
+25.0% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#73 of 371 · Top 19% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.27%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.28%
(Tier avg: 21.05%, National avg: 21.79%)
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
98
98th pctile
Return on Assets
Current: 2.69% · Tier avg: 1.16%
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
83
83th pctile
Efficiency Ratio
Current: 50.21% · Tier avg: 62.63%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.78% · Tier avg: 83.06%
46
46th pctile
Total Deposits
Current: $792.8M · Tier avg: $1.2B
43
43th pctile
Total Loans
Current: $624.6M · Tier avg: $975.5M
41
41th pctile
Total Assets
Current: $878.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.28% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.28% · Tier avg: 21.05%
24
24th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Total Assets
Current: $878.8M · Tier avg: $1.4B
43
43th pctile
Total Loans
Current: $624.6M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $792.8M · Tier avg: $1.2B
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.78% · Tier avg: 83.06%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
83
83th pctile
Efficiency Ratio
Current: 50.21% · Tier avg: 62.63%
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
98
98th pctile
Return on Assets
Current: 2.69% · Tier avg: 1.16%