BlastPoint

BlastPoint's Banking Scorecard

The First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 11175

Designations: ✓ Minority Depository Institution

Abernathy, TX

3 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +24.7% year over year ($96.4M on the books).
  • Delinquency rate 2.16%.
  • Return on assets 1.70%.
  • Efficiency ratio 67.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The First State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 0.1% in tier
  • + Revenue Diversifier: Top 42.8% in tier
  • + ROA 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 34.0% in tier
  • - Efficiency Ratio 3.29% above tier average
  • - Delinquency Rate 1.24% above tier average
Get updates when The First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $121.4M
+4.4% YoY -1.9% QoQ
-$265.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 6.0% in tier
Total Loans ? $87.2M
+8.5% YoY +1.4% QoQ
-$171.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 13.4% in tier
Total Deposits ? $96.4M
+24.7% YoY -0.8% QoQ
-$230.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 4.7% in tier
Return on Assets ? 1.70%
-2.6% YoY +34.7% QoQ
+0.38% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 7.46%
+8.1% YoY +4.9% QoQ
+3.47% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 0.3% in tier
Efficiency Ratio ? 67.77%
-1.2% YoY -4.8% QoQ
+3.29% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 2.16%
+414.6% YoY +30.7% QoQ
+1.24% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 11.3% in tier
Loan-to-Deposit Ratio ? 90.36%
-13.0% YoY +2.2% QoQ
+12.41% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 43.41%
-8.4% YoY -3.3% QoQ
+21.38% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.2% in tier
Nonperforming Asset Ratio ? 1.57%
+440.5% YoY +8.2% QoQ
+0.90% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 11.4% in tier
Tier 1 Capital Ratio ? 15.85%
-1.5% YoY +1.5% QoQ
-0.06% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.46%
+28.4% YoY +154.5% QoQ
-0.11% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 10.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 43.4%
-4.0pp YoY
-1.5pp QoQ
 +21.3pp 22.1% 29.2% 22.2% 97%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 17.4%
+6.3pp YoY
-1.2pp QoQ
 +5.8pp 11.6% 14.8% 12.5% 83%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 0.0%
0.0pp YoY
0.0pp QoQ
 -32.6pp 32.6% 25.8% 31.3% 0%
Consumer 4.5%
-1.1pp YoY
-0.1pp QoQ
 +0.4pp 4.1% 4.7% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.8%
-0.2pp YoY
+0.2pp QoQ
 -3.0pp 18.8% 22.7% 19.7% 56%
Leverage Ratio 13.5%
+0.6pp YoY
+1.0pp QoQ
 +1.3pp 12.2% 12.6% 12.6% 78%
Total Capital Ratio 16.9%
-0.3pp YoY
+0.3pp QoQ
 -3.0pp 19.9% 23.8% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 22
+2 (+10.0%) YoY
+1 (+4.8%) QoQ
 -37 58 186 482 14%
Assets per Employee ($) $5.5M
-5.1% YoY
-6.4% QoQ
 -$2.0M $7.5M $10.1M $8.8M 23%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 1.0%
+0.4pp QoQ
 +0.6pp 0.3% 0.3% 0.4% 90%
Nonaccrual 1.2%
+0.8pp YoY
+0.1pp QoQ
 +0.3pp 0.9% 1.0% 1.0% 76%
Allowance Coverage 0.59x
-81.6% YoY
-22.0% QoQ
 -23.56x 24.15x 18.82x 20.23x 13%
Net Charge-off Rate (YTD) -0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.0%
-1.2pp YoY
+3.2pp QoQ
 +0.8pp 12.2% 13.2% 11.6% 56%
Cost of Funds (YTD) 1.6%
-0.7pp YoY
-0.1pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 45%
Net Income ($, YTD) $1.1M
+4.7% YoY
— QoQ
 -$1.5M $2.6M $15.9M $40.4M 28%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#1 of 278 • Top 0.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 43.41%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 7.46%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Revenue Diversifier

growth
#284 of 661 • Top 42.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.46%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.70%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#236 of 691 • Bottom 34.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.36%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

9
Net Interest Margin
profitability
Value: 7.46%
Peer Median: 3.99%
#9 of 2643 Top 0.3% in $100M-$1B
85
Non-Interest-Bearing Deposit Share
funding
Value: 43.41%
Peer Median: 22.03%
#85 of 2643 Top 3.2% in $100M-$1B
288
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.57%
#288 of 2643 Top 10.9% in $100M-$1B
641
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#641 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (5 metrics)

2521
Total Deposits
size
Value: $96.45M
Peer Median: $326.73M
#2521 of 2643 Bottom 4.7% in $100M-$1B
2485
Total Assets
size
Value: $121.41M
Peer Median: $386.57M
#2485 of 2643 Bottom 6.0% in $100M-$1B
2336
Delinquency Rate
credit_quality
Value: 2.16%
Peer Median: 0.92%
#2336 of 2633 Bottom 11.3% in $100M-$1B
2343
Nonperforming Asset Ratio
credit_quality
Value: 1.57%
Peer Median: 0.67%
#2343 of 2643 Bottom 11.4% in $100M-$1B
2289
Total Loans
size
Value: $87.15M
Peer Median: $258.35M
#2289 of 2643 Bottom 13.4% in $100M-$1B
Powered by BlastPoint © 2026