BlastPoint's Banking Scorecard
First State Bank of Uvalde
Community
Specialty: Commercial
TX
FDIC cert 9978
Uvalde, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First State Bank of Uvalde has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.99% below tier
- + Loan-to-Deposit Ratio 40.88% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6% in Community
- - Net Interest Margin 1.34% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-2.2% YoY
-0.3% QoQ
|
+$395.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$663.6M
-5.8% YoY
-2.3% QoQ
|
-$311.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$1.6B
-5.0% YoY
-0.8% QoQ
|
+$408.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.06%
+0.2% YoY
+4.2% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.32%
+3.3% YoY
+1.8% QoQ
|
-1.34% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
45.64%
+4.6% YoY
-2.3% QoQ
|
-16.99% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.80%
+325.2% YoY
+14.5% QoQ
|
+1.17% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
42.19%
-0.7% YoY
-1.5% QoQ
|
-40.88% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.53%
+12.0% YoY
+4.1% QoQ
|
-3.51% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.67%
+268.2% YoY
+12.3% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.29%
-8.8% YoY
+30.7% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.64%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
42.19%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Capital Thin
risk
#29 of 432 · Bottom 6% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.32%
(Tier avg: 3.66%, National avg: 3.75%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 42.19% · Tier avg: 83.06%
91
91th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 62.63%
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $663.6M · Tier avg: $975.5M
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.53% · Tier avg: 21.05%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
12
12th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.63%
4
4th pctile
Net Interest Margin
Current: 2.32% · Tier avg: 3.66%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.32% · Tier avg: 3.66%
12
12th pctile
Delinquency Rate
Current: 1.80% · Tier avg: 0.63%
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.53% · Tier avg: 21.05%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
47
47th pctile
Total Loans
Current: $663.6M · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
91
91th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 62.63%
98
98th pctile
Loan-to-Deposit Ratio
Current: 42.19% · Tier avg: 83.06%