BlastPoint's Banking Scorecard

First Security State Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 11932

Cranfills Gap, TX

4 branches across TX

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

First Security State Bank has 2 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

+ ROA 0.13% above tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.50% below tier average
- Efficiency Ratio 0.06% above tier average

Get updates when First Security State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$179.9M +4.8% YoY -2.2% QoQ	-$206.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$71.1M +0.3% YoY -2.9% QoQ	-$184.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 7.8% in tier
Total Deposits ?	$169.5M +3.2% YoY +0.7% QoQ	-$158.5M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	1.40% +41.6% YoY +30.2% QoQ	+0.13%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	3.43% +4.6% YoY +5.6% QoQ	-0.50%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	65.35% -11.8% YoY -8.8% QoQ	+0.06%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.02% -84.1% YoY -96.6% QoQ	-0.87%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 14.9% in tier
Loan-to-Deposit Ratio ?	41.94% -2.9% YoY -3.5% QoQ	-34.70%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.9% in tier
Non-Interest-Bearing Deposit Share ?	27.18% -40.4% YoY -0.8% QoQ	+5.16%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.01% -84.8% YoY -96.7% QoQ	-0.63%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 12.7% in tier
Tier 1 Capital Ratio ?	19.60% +1.0% YoY +3.0% QoQ	+3.77%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 14.4% in tier
Non-Interest Income / Assets ?	0.21% +11.4% YoY -71.4% QoQ	-0.07%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 13.0% 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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)

132

Loan-to-Deposit Ratio

liquidity

Value: 41.94%

Peer Median: 76.64%

#132 of 2664 Top 4.9% in $100M-$1B

339

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#339 of 2664 Top 12.7% in $100M-$1B

346

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#346 of 2664 Top 13.0% in $100M-$1B

384

Tier 1 Capital Ratio

capital

Value: 19.60%

Peer Median: 15.83%

#384 of 2664 Top 14.4% in $100M-$1B

397

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#397 of 2654 Top 14.9% in $100M-$1B

Top Weaknesses (2 metrics)

2456

Total Loans

size

Value: $71.07M

Peer Median: $255.72M

#2456 of 2664 Bottom 7.8% in $100M-$1B

2091

Total Assets

size

Value: $179.89M

Peer Median: $386.08M

#2091 of 2664 Bottom 21.5% in $100M-$1B