BlastPoint's Banking Scorecard

First State Bank of Brownsboro

$100M-$1B Specialty: Other TX FDIC cert 11181

Brownsboro, 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 +8.7% year over year ($129.6M on the books).
Delinquency rate 0.52%.
Return on assets 1.35%.
Efficiency ratio 67.55% vs a 64.48% peer average.
Loan-to-deposit ratio 50.15% 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) →

First State Bank of Brownsboro has 2 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 13.35% above tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.7% in tier
- Credit Quality Pressure: Bottom 43.8% in tier
- Net Interest Margin 0.15% below tier average
- Efficiency Ratio 3.07% above tier average

Get updates when First State Bank of Brownsboro releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$139.9M +12.1% YoY +0.2% QoQ	-$246.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 11.3% in tier
Total Loans ?	$65.0M +3.3% YoY +1.6% QoQ	-$193.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 5.6% in tier
Total Deposits ?	$129.6M +8.7% YoY -1.2% QoQ	-$197.1M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	15%
Return on Assets ?	1.35% +38.6% YoY -5.7% QoQ	+0.02%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	3.84% +8.8% YoY +1.6% QoQ	-0.15%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	67.55% -8.6% YoY +3.9% QoQ	+3.07%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.52% +118.5% YoY +4.6% QoQ	-0.39%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	50.15% -5.0% YoY +2.8% QoQ	-27.80%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 8.4% in tier
Non-Interest-Bearing Deposit Share ?	35.38% +0.0% YoY +0.3% QoQ	+13.35%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	0.24% +101.5% YoY +6.1% QoQ	-0.43%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	10.36% -6.5% YoY +0.4% QoQ	-5.55%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.25% -10.5% YoY +103.2% QoQ	-0.32%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	63%

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	35.4% 0.0pp YoY +0.1pp QoQ	+13.2pp	22.1%	29.2%	22.2%	90%
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	17.7% +0.1pp YoY +2.8pp QoQ	+6.1pp	11.6%	14.8%	12.5%	84%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	41.1% +0.9pp YoY -2.4pp QoQ	+8.5pp	32.6%	25.8%	31.3%	72%
Consumer	12.0% -1.6pp YoY -0.7pp QoQ	+7.9pp	4.1%	4.7%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.4% -0.7pp YoY 0.0pp QoQ	-1.8pp	12.2%	12.6%	12.6%	38%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	23 +1 (+4.5%) YoY 0 QoQ	-36	58	186	482	15%
Assets per Employee ($)	$6.1M +7.2% YoY +0.2% QoQ	-$1.4M	$7.5M	$10.1M	$8.8M	35%
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	0.4% +0.2pp YoY 0.0pp QoQ	0.0pp	0.3%	0.3%	0.4%	77%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	27%
Allowance Coverage	1.90x -57.8% YoY -6.0% QoQ	-22.25x	24.15x	18.82x	20.23x	46%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	22.8% -0.3pp YoY -1.3pp QoQ	+10.6pp	12.2%	13.2%	11.6%	94%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	26%
Net Income ($, YTD)	$936,000 +53.2% YoY — QoQ	-$1.6M	$2.6M	$15.9M	$40.4M	25%

Get Full Access to First State Bank of Brownsboro

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#204 of 936 • Bottom 21.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#551 of 1256 • Bottom 43.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.52%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

224

Loan-to-Deposit Ratio

liquidity

Value: 50.15%

Peer Median: 77.95%

#224 of 2643 Top 8.4% in $100M-$1B

251

Non-Interest-Bearing Deposit Share

funding

Value: 35.38%

Peer Median: 22.03%

#251 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (4 metrics)

2496

Total Loans

size

Value: $65.00M

Peer Median: $258.35M

#2496 of 2643 Bottom 5.6% in $100M-$1B

2346

Total Assets

size

Value: $139.86M

Peer Median: $386.57M

#2346 of 2643 Bottom 11.3% in $100M-$1B

2246

Tier 1 Capital Ratio

capital

Value: 10.36%

Peer Median: 15.91%

#2246 of 2643 Bottom 15.1% in $100M-$1B

2236

Total Deposits

size

Value: $129.60M

Peer Median: $326.73M

#2236 of 2643 Bottom 15.4% in $100M-$1B