BlastPoint's Banking Scorecard
First State Bank of Texas
Orange, TX
6 branches across TX
First State Bank of Texas has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 15.8% in tier
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8.0% in tier
- - Flatlined Growth: Bottom 43.0% in tier
- - ROA 0.23% below tier average
- - Efficiency Ratio 2.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$349.0M
+0.5% YoY
-5.3% QoQ
|
-$37.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$255.8M
+19.5% YoY
-0.9% QoQ
|
+$60K |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$311.2M
-0.3% YoY
-5.9% QoQ
|
-$16.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.04%
+84.1% YoY
+100.1% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
5.28%
+23.7% YoY
+10.7% QoQ
|
+1.35% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 4.3% in tier |
| Efficiency Ratio ? |
68.18%
-17.7% YoY
-7.1% QoQ
|
+2.89% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.47%
-27.4% YoY
-43.9% QoQ
|
-0.42% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
82.18%
+19.8% YoY
+5.3% QoQ
|
+5.55% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
36.52%
+4.9% YoY
-0.2% QoQ
|
+14.50% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-15.4% YoY
-41.2% QoQ
|
-0.29% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
9.11%
+4.1% YoY
+0.1% QoQ
|
-6.72% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
+28.9% YoY
-68.0% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
52% |
Get Full Access to First State Bank of Texas
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.