BlastPoint's Banking Scorecard
First Federal Community Bank, SSB
Community
Specialty: Commercial
TX
FDIC cert 27678
Designations: ✓ Mutual
Paris, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Federal Community Bank, SSB faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Community
- - Liquidity Strain: Bottom 8% in Community
- - Credit Quality Pressure: Bottom 24% in Community
- - Liquidity Overhang: Bottom 30% in Community
- - Non-Interest-Bearing Deposit Share 11.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$608.0M
+8.4% YoY
+2.6% QoQ
|
-$783.5M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$474.1M
+2.4% YoY
+0.1% QoQ
|
-$501.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$526.1M
+7.7% YoY
+2.4% QoQ
|
-$638.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.99%
+17.3% YoY
+0.0% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.82%
+8.1% YoY
+0.8% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
68.16%
-5.2% YoY
-0.1% QoQ
|
+5.53% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.52%
+1.8% YoY
+12.0% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
90.12%
-4.9% YoY
-2.2% QoQ
|
+7.06% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
9.28%
-8.6% YoY
+0.8% QoQ
|
-11.76% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.44%
+4.6% YoY
+17.0% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.99%
+5.1% YoY
+1.8% QoQ
|
+7.75% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.51%
-2.8% YoY
+31.0% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#18 of 642 · Bottom 3% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#42 of 513 · Bottom 8% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.12%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#194 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.52%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#81 of 268 · Bottom 30% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.99%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
90.12%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.28%
(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
89
89th pctile
Tier 1 Capital Ratio
Current: 17.99% · Tier avg: 10.24%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.12% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
46
46th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.16% · Tier avg: 62.63%
26
26th pctile
Total Loans
Current: $474.1M · Tier avg: $975.5M
17
17th pctile
Total Deposits
Current: $526.1M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $608.0M · Tier avg: $1.4B
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.28% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.28% · Tier avg: 21.05%
15
15th pctile
Total Assets
Current: $608.0M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $526.1M · Tier avg: $1.2B
26
26th pctile
Total Loans
Current: $474.1M · Tier avg: $975.5M
31
31th pctile
Efficiency Ratio
Current: 68.16% · Tier avg: 62.63%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.12% · Tier avg: 83.06%
89
89th pctile
Tier 1 Capital Ratio
Current: 17.99% · Tier avg: 10.24%