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

2664 banks in the $100M-$1B peer group nationally 219 in TX

First State Bank of Ben Wheeler, Texas has 4 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 5.1% in tier
+ Revenue Diversifier: Top 49.4% in tier
+ ROA 0.33% above tier average
+ Efficiency Ratio 11.62% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.9% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$187.1M +0.7% YoY +1.5% QoQ	-$199.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$66.6M -2.9% YoY -2.4% QoQ	-$189.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 6.5% in tier
Total Deposits ?	$158.6M +0.1% YoY +1.3% QoQ	-$169.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.60% +24.0% YoY +45.9% QoQ	+0.33%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.22% +8.9% YoY +4.7% QoQ	-0.71%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	53.66% -13.4% YoY -21.4% QoQ	-11.62%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.05% +353.8% QoQ	-0.84%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	41.99% -3.0% YoY -3.7% QoQ	-34.65%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.0% in tier
Non-Interest-Bearing Deposit Share ?	25.06% -1.7% YoY -4.4% QoQ	+3.04%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.02% +336.3% QoQ	-0.62%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	15.30% +5.0% YoY +1.6% QoQ	-0.53%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.20% -5.4% YoY -73.1% QoQ	-0.08%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 13.8% in tier

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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 (2)

Credit Quality Leader

growth

#35 of 664 • Top 5.1% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#330 of 666 • Top 49.4% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.60%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#118 of 1308 • Bottom 8.9% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

134

Loan-to-Deposit Ratio

liquidity

Value: 41.99%

Peer Median: 76.64%

#134 of 2664 Top 5.0% in $100M-$1B

368

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#368 of 2664 Top 13.8% in $100M-$1B

417

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#417 of 2664 Top 15.6% in $100M-$1B

529

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#529 of 2654 Top 19.9% in $100M-$1B

612

Efficiency Ratio

profitability

Value: 53.66%

Peer Median: 65.29%

#612 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2492

Total Loans

size

Value: $66.58M

Peer Median: $255.72M

#2492 of 2664 Bottom 6.5% in $100M-$1B

2171

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2171 of 2664 Bottom 18.5% in $100M-$1B

2043

Total Assets

size

Value: $187.05M

Peer Median: $386.08M

#2043 of 2664 Bottom 23.3% in $100M-$1B

2042

Total Deposits

size

Value: $158.55M

Peer Median: $327.97M

#2042 of 2664 Bottom 23.4% in $100M-$1B