BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
TX
FDIC cert 18301
Designations: ✓ Community bank
Shallowater, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
First State Bank shows strong momentum with 1 strength and 9.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.53% 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 ? |
$146.7M
+9.5% YoY
+0.4% QoQ
|
-$70.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$89.7M
+3.7% YoY
+7.9% QoQ
|
-$49.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$119.0M
+10.6% YoY
-0.1% QoQ
|
-$64.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.42%
-31.7% YoY
-9.3% QoQ
|
+0.33% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
5.38%
-16.7% YoY
-2.1% QoQ
|
+1.53% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
72.75%
+9.9% YoY
+3.2% QoQ
|
+5.03% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.06%
-91.2% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
75.37%
-6.3% YoY
+8.0% QoQ
|
+0.85% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
24.01%
-9.4% YoY
-5.7% QoQ
|
+1.61% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.04%
-90.6% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| 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 ? |
0.27%
-13.6% YoY
+35.2% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.38%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.37% · Tier avg: 74.53%
39
39th pctile
Total Loans
Current: $89.7M · Tier avg: $139.2M
37
37th pctile
Total Assets
Current: $146.7M · Tier avg: $217.5M
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $119.0M · Tier avg: $183.7M
33
33th pctile
Efficiency Ratio
Current: 72.75% · Tier avg: 67.73%
Top Weaknesses
33
33th pctile
Efficiency Ratio
Current: 72.75% · Tier avg: 67.73%
35
35th pctile
Total Deposits
Current: $119.0M · Tier avg: $183.7M
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
37
37th pctile
Total Assets
Current: $146.7M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $89.7M · Tier avg: $139.2M
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.37% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.01% · Tier avg: 22.39%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%