BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Gainesville, TX
14 branches across TX
First State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 36.1% in tier
- - ROA 0.64% below tier average
- - Efficiency Ratio 15.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+2.6% YoY
-0.4% QoQ
|
-$1.0B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$953.2M
+3.9% YoY
-3.1% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$1.6B
-1.3% YoY
-0.2% QoQ
|
-$716.4M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
0.73%
+45.4% YoY
-38.1% QoQ
|
-0.64% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
4.03%
+24.5% YoY
+9.8% QoQ
|
+0.21% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
76.37%
-8.5% YoY
+22.4% QoQ
|
+15.31% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate ? |
0.13%
-84.1% YoY
-86.0% QoQ
|
-0.76% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 13.9% in tier |
| Loan-to-Deposit Ratio ? |
58.59%
+5.2% YoY
-2.9% QoQ
|
-25.62% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.32%
-3.2% YoY
-1.6% QoQ
|
+13.04% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.1% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-24.6% YoY
-36.0% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.91%
+7.1% YoY
+3.9% QoQ
|
-1.25% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.21%
+18.0% YoY
-89.1% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
74% |
Get Full Access to First State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.