BlastPoint's Banking Scorecard
The First Bank of Celeste
Micro
Specialty: Other
TX
FDIC cert 3133
Designations: ✓ Community bank
Celeste, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First Bank of Celeste has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 18.97% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.36% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.0M
+3.4% YoY
-3.3% QoQ
|
-$134.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$27.4M
-0.6% YoY
-0.6% QoQ
|
-$111.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$75.9M
+3.1% YoY
-3.4% QoQ
|
-$107.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.29%
-5.6% YoY
+0.8% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.76%
-1.4% YoY
+1.4% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
67.13%
+4.1% YoY
+0.8% QoQ
|
-0.60% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
36.17%
-3.6% YoY
+2.8% QoQ
|
-38.36% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.37%
-7.3% YoY
-0.3% QoQ
|
+18.97% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
20.38%
+1.0% YoY
-1.0% QoQ
|
+11.52% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.45%
-9.9% YoY
+39.5% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.37%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.17%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.37% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.38% · Tier avg: 8.85%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
47
47th pctile
Efficiency Ratio
Current: 67.13% · Tier avg: 67.73%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
20
20th pctile
Total Deposits
Current: $75.9M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.0M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $27.4M · Tier avg: $139.2M
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.17% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.17% · Tier avg: 74.53%
10
10th pctile
Total Loans
Current: $27.4M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $83.0M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.9M · Tier avg: $183.7M
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.13% · Tier avg: 67.73%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.38% · Tier avg: 8.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.37% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%