BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
TX
FDIC cert 17950
Designations: ✓ Community bank
Clute, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank shows strong momentum with 1 strength and 19.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% 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 ? |
$458.5M
+19.8% YoY
+8.6% QoQ
|
+$241.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$332.7M
+17.2% YoY
+6.6% QoQ
|
+$193.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$413.6M
+19.4% YoY
+9.2% QoQ
|
+$229.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.99%
-1.3% YoY
-0.8% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.48%
+4.3% YoY
+2.0% QoQ
|
+0.63% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
52.69%
+2.8% YoY
+2.0% QoQ
|
-15.04% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
1.38%
+156.8% YoY
-28.8% QoQ
|
+0.74% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
80.45%
-1.8% YoY
-2.3% QoQ
|
+5.93% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
26.73%
-20.7% YoY
-11.1% QoQ
|
+4.34% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.39%
+249.5% YoY
-2.6% QoQ
|
+0.94% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
13.00%
+0.4% YoY
-7.6% QoQ
|
+4.15% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.59%
-15.2% YoY
+20.8% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 1.08%, National avg: 1.12%)
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
98
98th pctile
Total Deposits
Current: $413.6M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $332.7M · Tier avg: $139.2M
95
95th pctile
Total Assets
Current: $458.5M · Tier avg: $217.5M
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
85
85th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 67.73%
78
78th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.73% · Tier avg: 22.39%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 8.85%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.45% · Tier avg: 74.53%
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.38% · Tier avg: 0.64%
42
42th pctile
Loan-to-Deposit Ratio
Current: 80.45% · Tier avg: 74.53%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.73% · Tier avg: 22.39%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
78
78th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%
85
85th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
95
95th pctile
Total Assets
Current: $458.5M · Tier avg: $217.5M
96
96th pctile
Total Loans
Current: $332.7M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $413.6M · Tier avg: $183.7M