BlastPoint's Banking Scorecard
The First State Bank
Designations: ✓ Minority Depository Institution
Abernathy, TX
3 branches across TX
The First State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44.6% in tier
- - Efficiency Ratio 5.87% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.8M
+5.4% YoY
-3.0% QoQ
|
-$262.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$85.9M
+8.4% YoY
+0.2% QoQ
|
-$169.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.1% in tier |
| Total Deposits ? |
$97.2M
+24.0% YoY
+2.1% QoQ
|
-$230.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.7% in tier |
| Return on Assets ? |
1.26%
-14.0% YoY
-39.2% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
7.11%
+7.3% YoY
+0.1% QoQ
|
+3.18% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 0.3% in tier |
| Efficiency Ratio ? |
71.15%
-3.1% YoY
+11.5% QoQ
|
+5.87% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
1.65%
+661.4% YoY
+30.9% QoQ
|
+0.77% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
88.38%
-12.6% YoY
-1.8% QoQ
|
+11.74% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
44.89%
-4.8% YoY
+10.7% QoQ
|
+22.87% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 2.8% in tier |
| Nonperforming Asset Ratio ? |
1.45%
+888.7% YoY
+70.7% QoQ
|
+0.81% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.0% in tier |
| Tier 1 Capital Ratio ? |
15.61%
-1.8% YoY
-2.6% QoQ
|
-0.22% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.18%
-5.9% YoY
-82.7% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
82% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.