BlastPoint's Banking Scorecard

The First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 12315

Columbus, TX

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

The First State Bank has 2 strengths but faces 5 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

+ Non-Interest-Bearing Deposit Share 24.87% above tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.3% in tier
- Credit Risk Growth: Bottom 8.8% in tier
- ROA 0.14% below tier average
- Net Interest Margin 0.74% below tier average
- Efficiency Ratio 0.76% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$153.9M +6.1% YoY +0.4% QoQ	-$232.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	15%
Total Loans ?	$47.7M +4.5% YoY +2.5% QoQ	-$208.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 2.6% in tier
Total Deposits ?	$133.4M +4.3% YoY +0.2% QoQ	-$194.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.13% +10.9% YoY +16.6% QoQ	-0.14%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.19% +7.3% YoY +3.5% QoQ	-0.74%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	66.04% -2.4% YoY -5.3% QoQ	+0.76%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.14% +6.6% YoY +22.9% QoQ	-0.74%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	35.73% +0.2% YoY +2.3% QoQ	-40.91%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 2.9% in tier
Non-Interest-Bearing Deposit Share ?	46.89% +1.1% YoY -1.7% QoQ	+24.87%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.3% in tier
Nonperforming Asset Ratio ?	0.04% +5.0% YoY +25.5% QoQ	-0.59%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	16.25% +0.3% YoY -3.0% QoQ	+0.42%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.07% -9.2% YoY -72.2% QoQ	-0.21%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	31%

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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 (2)

Credit Quality Pressure

risk

#109 of 1308 • Bottom 8.3% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#87 of 973 • Bottom 8.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

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 (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.89%

Peer Median: 22.02%

#62 of 2664 Top 2.3% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 35.73%

Peer Median: 76.64%

#77 of 2664 Top 2.9% in $100M-$1B

566

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#566 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (4 metrics)

2595

Total Loans

size

Value: $47.66M

Peer Median: $255.72M

#2595 of 2664 Bottom 2.6% in $100M-$1B

2257

Total Assets

size

Value: $153.88M

Peer Median: $386.08M

#2257 of 2664 Bottom 15.3% in $100M-$1B

2226

Total Deposits

size

Value: $133.40M

Peer Median: $327.97M

#2226 of 2664 Bottom 16.5% in $100M-$1B

2206

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.93%

#2206 of 2664 Bottom 17.2% in $100M-$1B