BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
GA
FDIC cert 19163
Wrens, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
First State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46% in Community
- + Efficiency Ratio 16.91% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15% in Community
- - Non-Interest-Bearing Deposit Share 11.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$513.0M
+11.3% YoY
+3.6% QoQ
|
-$878.4M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$412.6M
+14.2% YoY
+0.7% QoQ
|
-$562.9M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$451.8M
+9.3% YoY
+4.9% QoQ
|
-$712.8M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.65%
+25.9% YoY
-6.3% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.38%
+15.5% YoY
+0.6% QoQ
|
+0.72% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
45.72%
-9.1% YoY
+0.6% QoQ
|
-16.91% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.18%
+33.8% YoY
-6.2% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
91.32%
+4.4% YoY
-4.0% QoQ
|
+8.26% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
9.40%
-2.0% YoY
+16.3% QoQ
|
-11.65% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+50.9% YoY
-5.9% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.27%
+7.6% YoY
+1.9% QoQ
|
+2.03% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.32%
+1.3% YoY
+29.2% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#172 of 371 · Top 46% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 9%
in Community
Efficiency Ratio is in the top decile (lowest costs) of tier peers. Operating costs as a share of revenue are well below peers - operating leverage is a real advantage here.
Why this stands out
Current:
45.72%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Credit Quality Pressure
risk
#123 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:
0.18%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
9.40%
(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
91
91th pctile
Efficiency Ratio
Current: 45.72% · Tier avg: 62.63%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 10.24%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.32% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
16
16th pctile
Total Loans
Current: $412.6M · Tier avg: $975.5M
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.40% · Tier avg: 21.05%
5
5th pctile
Total Deposits
Current: $451.8M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $513.0M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $513.0M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $451.8M · Tier avg: $1.2B
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.40% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $412.6M · Tier avg: $975.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.32% · Tier avg: 83.06%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 10.24%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
91
91th pctile
Efficiency Ratio
Current: 45.72% · Tier avg: 62.63%