BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 15206

Athens, TX

8 branches across TX

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

First State Bank has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 65.1% in tier
+ ROA 0.30% above tier average
+ Efficiency Ratio 6.55% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.07% above tier average

Get updates when First 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 ?	$778.6M +6.8% YoY +2.1% QoQ	+$392.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 9.2% in tier
Total Loans ?	$472.3M -2.2% YoY -2.4% QoQ	+$216.6M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 13.6% in tier
Total Deposits ?	$687.7M +5.9% YoY +2.1% QoQ	+$359.7M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 7.5% in tier
Return on Assets ?	1.57% +14.2% YoY +2.9% QoQ	+0.30%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.38% +8.7% YoY +1.8% QoQ	+0.45%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	58.74% -3.5% YoY -0.3% QoQ	-6.55%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.95% +6.2% QoQ	+0.07%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	68.68% -7.7% YoY -4.4% QoQ	-7.96%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	38.00% -2.2% YoY +2.2% QoQ	+15.98%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 6.5% in tier
Nonperforming Asset Ratio ?	0.58% +1.5% QoQ	-0.05%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	11.20% +2.3% YoY -1.5% QoQ	-4.63%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.17% +1.7% YoY -75.2% QoQ	-0.11%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	79%

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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 (1)

Deposit Franchise

growth

#178 of 272 • Top 65.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 38.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.38%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

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 (6 metrics)

173

Non-Interest-Bearing Deposit Share

funding

Value: 38.00%

Peer Median: 22.02%

#173 of 2664 Top 6.5% in $100M-$1B

202

Total Deposits

size

Value: $687.68M

Peer Median: $327.97M

#202 of 2664 Top 7.5% in $100M-$1B

247

Total Assets

size

Value: $778.59M

Peer Median: $386.08M

#247 of 2664 Top 9.2% in $100M-$1B

362

Total Loans

size

Value: $472.27M

Peer Median: $255.72M

#362 of 2664 Top 13.6% in $100M-$1B

571

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#571 of 2664 Top 21.4% in $100M-$1B

616

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.93%

#616 of 2664 Top 23.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available