BlastPoint's Banking Scorecard
FirstState Bank
Micro
Specialty: Agricultural
AL
FDIC cert 20468
Designations: ✓ Community bank
Lineville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
FirstState Bank shows strong momentum with 1 strength and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.05% below 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$352.1M
+5.7% YoY
+1.6% QoQ
|
+$134.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$148.7M
+0.2% YoY
-1.4% QoQ
|
+$9.6M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$327.0M
+4.2% YoY
+1.5% QoQ
|
+$143.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.04%
-4.7% YoY
+12.0% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.78%
+1.9% YoY
-0.1% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
68.71%
+6.9% YoY
+0.0% QoQ
|
+0.99% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.79%
+53.5% YoY
-25.3% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
45.48%
-3.9% YoY
-2.8% QoQ
|
-29.05% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.15%
+0.2% YoY
-4.0% QoQ
|
-2.25% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.50%
+118.4% YoY
-16.8% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-4.6% YoY
+32.8% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
45.48%
(Tier avg: 74.53%, National avg: 78.04%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.48% · Tier avg: 74.53%
86
86th pctile
Total Deposits
Current: $327.0M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $352.1M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $148.7M · Tier avg: $139.2M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
43
43th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 67.73%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.15% · Tier avg: 22.39%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
Top Weaknesses
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.15% · Tier avg: 22.39%
43
43th pctile
Efficiency Ratio
Current: 68.71% · Tier avg: 67.73%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
60
60th pctile
Total Loans
Current: $148.7M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $352.1M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $327.0M · Tier avg: $183.7M
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.48% · Tier avg: 74.53%