BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 1218

Spearman, TX

2 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 -2.3% year over year ($154.0M on the books).
Delinquency rate 4.50%.
Return on assets 1.74%.
Efficiency ratio 58.80% vs a 64.48% peer average.
Loan-to-deposit ratio 94.40% 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 has 3 strengths but faces 3 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 0.41% above tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 5.68% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.2% in tier
- Delinquency Rate 3.58% above tier average
- Nonperforming Asset Ratio 2.88% above tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$184.0M +2.1% YoY -3.8% QoQ	-$202.6M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	22%
Total Loans ?	$145.4M -1.5% YoY +0.0% QoQ	-$113.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$154.0M -2.3% YoY -3.9% QoQ	-$172.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	1.74% +8.3% YoY +4.8% QoQ	+0.41%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	4.45% +4.6% YoY -1.0% QoQ	+0.46%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	58.80% -2.7% YoY -3.4% QoQ	-5.68%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	4.50% +716.2% YoY +83.7% QoQ	+3.58%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 3.1% in tier
Loan-to-Deposit Ratio ?	94.40% +0.9% YoY +4.1% QoQ	+16.45%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	26.15% +40.7% YoY +6.7% QoQ	+4.12%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	3.55% +687.6% YoY +91.0% QoQ	+2.88%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 2.2% in tier
Tier 1 Capital Ratio ?	12.57% +7.7% YoY -0.6% QoQ	-3.34%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.17% -0.1% YoY +105.8% QoQ	-0.40%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	40%

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	26.1% +7.6pp YoY +1.7pp QoQ	+4.0pp	22.1%	29.2%	22.2%	70%
Brokered Deposits	18.9% -4.6pp YoY -3.3pp QoQ	+11.0pp	7.9%	8.0%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	20.1% +2.8pp YoY +1.7pp QoQ	+8.6pp	11.6%	14.8%	12.5%	88%
CRE	31.2% +3.8pp YoY +0.4pp QoQ	-8.3pp	39.5%	48.4%	41.4%	37%
1-4 Family	16.5% +0.3pp YoY +1.2pp QoQ	-16.1pp	32.6%	25.8%	31.3%	22%
Consumer	1.9% +0.2pp YoY 0.0pp QoQ	-2.2pp	4.1%	4.7%	5.0%	46%

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	12.6% +0.9pp YoY -0.1pp QoQ	+0.4pp	12.2%	12.6%	12.6%	71%
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	33 -1 (-2.9%) YoY 0 QoQ	-26	58	186	482	31%
Assets per Employee ($)	$5.6M +5.2% YoY -3.8% QoQ	-$1.9M	$7.5M	$10.1M	$8.8M	24%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	3.6% +3.3pp YoY +1.4pp QoQ	+3.3pp	0.3%	0.3%	0.4%	99%
Nonaccrual	0.8% +0.6pp YoY +0.7pp QoQ	-0.1pp	0.9%	1.0%	1.0%	68%
Allowance Coverage	0.28x -85.6% YoY -43.3% QoQ	-23.87x	24.15x	18.82x	20.23x	3%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.9% +0.1pp YoY +0.5pp QoQ	+1.7pp	12.2%	13.2%	11.6%	62%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.6%	1.7%	84%
Net Income ($, YTD)	$1.6M +11.2% YoY — QoQ	-$949K	$2.6M	$15.9M	$40.4M	44%

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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 (1)

Liquidity Strain

risk

#58 of 691 • Bottom 8.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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)

599

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.32%

#599 of 2643 Top 22.6% in $100M-$1B

600

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (5 metrics)

2587

Nonperforming Asset Ratio

credit_quality

Value: 3.55%

Peer Median: 0.67%

#2587 of 2643 Bottom 2.2% in $100M-$1B

2553

Delinquency Rate

credit_quality

Value: 4.50%

Peer Median: 0.92%

#2553 of 2633 Bottom 3.1% in $100M-$1B

2187

Loan-to-Deposit Ratio

liquidity

Value: 94.40%

Peer Median: 77.95%

#2187 of 2643 Bottom 17.3% in $100M-$1B

2051

Total Assets

size

Value: $184.01M

Peer Median: $386.57M

#2051 of 2643 Bottom 22.4% in $100M-$1B

2050

Total Deposits

size

Value: $154.01M

Peer Median: $326.73M

#2050 of 2643 Bottom 22.5% in $100M-$1B