BlastPoint's Banking Scorecard
First State Bank
Russellville, AR
5 branches across AR
First State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.9% in tier
- - Return on Assets 0.95% below tier average
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$612.1M
+2.5% YoY
-0.3% QoQ
|
+$226.0M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$443.6M
+11.3% YoY
+2.9% QoQ
|
+$187.8M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$537.2M
+2.1% YoY
-0.5% QoQ
|
+$209.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
83% |
| Return on Assets ? |
0.32%
-74.6% YoY
-75.5% QoQ
|
-0.95% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.4% in tier |
| Net Interest Margin ? |
3.79%
+13.4% YoY
+4.6% QoQ
|
-0.14% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
86.92%
+68.6% YoY
+59.9% QoQ
|
+21.64% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate ? |
0.01%
-21.1% YoY
|
-0.87% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
Top 14.5% in tier |
| Loan-to-Deposit Ratio ? |
82.57%
+9.0% YoY
+3.4% QoQ
|
+5.94% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
22.50%
-5.9% YoY
+4.6% QoQ
|
+0.48% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.01%
-63.3% YoY
|
-0.63% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
Top 13.8% in tier |
| Tier 1 Capital Ratio ? |
14.98%
-1.6% YoY
-0.9% QoQ
|
-0.85% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.07%
-43.3% YoY
-83.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.