BlastPoint's Banking Scorecard
First State Bank
Spearman, TX
2 branches across TX
First State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.56% above tier average
- + Efficiency Ratio 4.45% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.6% in tier
- - Delinquency Rate 1.56% above tier average
- - Nonperforming Asset Ratio 1.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.2M
+3.5% YoY
+6.4% QoQ
|
-$194.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$145.3M
+1.5% YoY
+1.1% QoQ
|
-$110.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$160.2M
-1.7% YoY
+7.6% QoQ
|
-$167.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.66%
+4.3% YoY
-2.1% QoQ
|
+0.39% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.49%
+7.2% YoY
+1.7% QoQ
|
+0.56% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
60.83%
+2.6% YoY
+7.1% QoQ
|
-4.45% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
2.45%
+423.2% YoY
+888.2% QoQ
|
+1.56% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.7% in tier |
| Loan-to-Deposit Ratio ? |
90.71%
+3.2% YoY
-6.0% QoQ
|
+14.07% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
24.50%
+36.7% YoY
+13.0% QoQ
|
+2.48% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
1.86%
+413.1% YoY
+839.1% QoQ
|
+1.22% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.8% in tier |
| Tier 1 Capital Ratio ? |
12.65%
+9.4% YoY
-1.5% QoQ
|
-3.18% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.08%
+6.1% YoY
-76.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.