BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 17775
Designations: ✓ Community bank
Paint Rock, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank shows strong momentum with 4 strengths and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.17% above tier
- + Efficiency Ratio 25.29% below tier
- + Loan-to-Deposit Ratio 34.87% below tier
- + Non-Interest-Bearing Deposit Share 18.29% 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 ? |
$173.7M
+9.7% YoY
+3.3% QoQ
|
-$43.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$58.8M
+3.8% YoY
+2.9% QoQ
|
-$80.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$148.2M
+9.4% YoY
+3.6% QoQ
|
-$35.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.26%
-15.6% YoY
-3.3% QoQ
|
+1.17% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.97%
-8.3% YoY
-0.6% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
42.43%
+7.6% YoY
-1.5% QoQ
|
-25.29% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
1.78%
+179.8% YoY
-27.1% QoQ
|
+1.14% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
39.66%
-5.2% YoY
-0.7% QoQ
|
-34.87% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.69%
+3.8% YoY
+10.5% QoQ
|
+18.29% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.60%
+164.5% YoY
-27.5% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
32% |
| 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 ? |
0.25%
-7.2% YoY
+29.9% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.43%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
39.66%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.69%
(Tier avg: 22.39%, National avg: 21.79%)
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
97
97th pctile
Efficiency Ratio
Current: 42.43% · Tier avg: 67.73%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.66% · Tier avg: 74.53%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.69% · Tier avg: 22.39%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Deposits
Current: $148.2M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $173.7M · Tier avg: $217.5M
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $58.8M · Tier avg: $139.2M
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
24
24th pctile
Total Loans
Current: $58.8M · Tier avg: $139.2M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
44
44th pctile
Total Assets
Current: $173.7M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.69% · Tier avg: 22.39%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.66% · Tier avg: 74.53%
97
97th pctile
Efficiency Ratio
Current: 42.43% · Tier avg: 67.73%