BlastPoint's Banking Scorecard

First State Bank of Ben Wheeler, Texas

$100M-$1B Specialty: Mortgage TX FDIC cert 11904

Ben Wheeler, TX

4 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 +1.5% year over year ($156.1M on the books).
Delinquency rate 0.07%.
Return on assets 1.51%.
Efficiency ratio 58.77% vs a 64.48% peer average.
Loan-to-deposit ratio 42.30% 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 Ben Wheeler, Texas has 3 strengths but faces 2 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

+ Credit Quality Leader: Top 1.1% in tier
+ ROA 0.19% above tier average
+ Efficiency Ratio 5.71% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.6% in tier
- Net Interest Margin 0.71% below tier average

Get updates when First State Bank of Ben Wheeler, Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$185.1M +1.9% YoY -1.0% QoQ	-$201.4M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$66.0M -2.5% YoY -0.8% QoQ	-$192.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 6.1% in tier
Total Deposits ?	$156.1M +1.5% YoY -1.5% QoQ	-$170.6M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	1.51% +32.4% YoY -5.8% QoQ	+0.19%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	3.28% +8.5% YoY +1.7% QoQ	-0.71%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	19%
Efficiency Ratio ?	58.77% -12.5% YoY +9.5% QoQ	-5.71%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.07% +56.1% QoQ	-0.85%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	42.30% -3.9% YoY +0.7% QoQ	-35.65%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 4.9% in tier
Non-Interest-Bearing Deposit Share ?	26.46% -2.2% YoY +5.6% QoQ	+4.43%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.03% +56.5% QoQ	-0.64%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	15.66% +3.9% YoY +2.3% QoQ	-0.25%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.40% +1.6% YoY +96.7% QoQ	-0.17%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	85%

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	26.5% -0.6pp YoY +1.4pp QoQ	+4.3pp	22.1%	29.2%	22.2%	71%
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	14.0% -0.4pp YoY -0.1pp QoQ	+2.4pp	11.6%	14.8%	12.5%	72%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	40.0% -2.2pp YoY +0.3pp QoQ	+7.4pp	32.6%	25.8%	31.3%	70%
Consumer	7.0% -0.7pp YoY +0.2pp QoQ	+2.9pp	4.1%	4.7%	5.0%	85%

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	15.7% +0.6pp YoY +0.4pp QoQ	+3.5pp	12.2%	12.6%	12.6%	89%
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	30 -6 (-16.7%) YoY +1 (+3.4%) QoQ	-29	58	186	482	26%
Assets per Employee ($)	$6.2M +22.3% YoY -4.3% QoQ	-$1.3M	$7.5M	$10.1M	$8.8M	37%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	45%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	21.98x -34.7% QoQ	-2.17x	24.15x	18.82x	20.23x	89%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	9.9% +2.2pp YoY -0.7pp QoQ	-2.3pp	12.2%	13.2%	11.6%	36%
Cost of Funds (YTD)	1.2% 0.0pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.6%	1.7%	20%
Net Income ($, YTD)	$1.4M +33.1% YoY — QoQ	-$1.2M	$2.6M	$15.9M	$40.4M	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Credit Quality Leader

growth

#8 of 659 • Top 1.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#159 of 1256 • Bottom 12.6% in tier

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

Why this signature

Delinquency Rate: 0.07%

(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 (4 metrics)

130

Loan-to-Deposit Ratio

liquidity

Value: 42.30%

Peer Median: 77.95%

#130 of 2643 Top 4.9% in $100M-$1B

399

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#399 of 2643 Top 15.1% in $100M-$1B

459

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#459 of 2643 Top 17.3% in $100M-$1B

612

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.92%

#612 of 2633 Top 23.2% in $100M-$1B

Top Weaknesses (4 metrics)

2483

Total Loans

size

Value: $66.04M

Peer Median: $258.35M

#2483 of 2643 Bottom 6.1% in $100M-$1B

2146

Net Interest Margin

profitability

Value: 3.28%

Peer Median: 3.99%

#2146 of 2643 Bottom 18.8% in $100M-$1B

2048

Total Assets

size

Value: $185.12M

Peer Median: $386.57M

#2048 of 2643 Bottom 22.6% in $100M-$1B

2041

Total Deposits

size

Value: $156.12M

Peer Median: $326.73M

#2041 of 2643 Bottom 22.8% in $100M-$1B