BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Commercial MS FDIC cert 15663

Waynesboro, MS

16 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

First State Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 27.8% in tier
- Efficiency Drag: Bottom 30.4% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 1.13% below tier average
- Delinquency Rate 0.51% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$949.8M +2.9% YoY +0.0% QoQ	+$563.8M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	Top 1.6% in tier
Total Loans ?	$512.4M +17.2% YoY +3.2% QoQ	+$256.7M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	Top 9.8% in tier
Total Deposits ?	$852.5M +2.3% YoY +0.0% QoQ	+$524.5M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	Top 0.6% in tier
Return on Assets ?	0.35% +5.2% YoY -10.7% QoQ	-0.92%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	Bottom 9.2% in tier
Net Interest Margin ?	2.80% +12.9% YoY +3.1% QoQ	-1.13%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Bottom 6.8% in tier
Efficiency Ratio ?	84.02% -1.1% YoY +4.1% QoQ	+18.73%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	Bottom 11.0% in tier
Delinquency Rate ?	1.40% +12.4% YoY +8.8% QoQ	+0.51%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	60.11% +14.5% YoY +3.2% QoQ	-16.53%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	16.81% +2.1% YoY +0.1% QoQ	-5.21%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	1.06% +10.9% YoY +8.6% QoQ	+0.42%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	10.14% -2.0% YoY -5.9% QoQ	-5.69%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	Bottom 11.3% in tier
Non-Interest Income / Assets ?	0.10% +10.4% YoY -75.2% QoQ	-0.18%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	55%

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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)

Capital Thin

risk

#186 of 666 • Bottom 27.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.14%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#127 of 414 • Bottom 30.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.02%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

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 (4 metrics)

Total Deposits

size

Value: $852.50M

Peer Median: $327.97M

#17 of 2664 Top 0.6% in $100M-$1B

Total Assets

size

Value: $949.85M

Peer Median: $386.08M

#43 of 2664 Top 1.6% in $100M-$1B

262

Total Loans

size

Value: $512.39M

Peer Median: $255.72M

#262 of 2664 Top 9.8% in $100M-$1B

493

Loan-to-Deposit Ratio

liquidity

Value: 60.11%

Peer Median: 76.64%

#493 of 2664 Top 18.5% in $100M-$1B

Top Weaknesses (6 metrics)

2485

Net Interest Margin

profitability

Value: 2.80%

Peer Median: 3.93%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2419

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2419 of 2664 Bottom 9.2% in $100M-$1B

2372

Efficiency Ratio

profitability

Value: 84.02%

Peer Median: 65.29%

#2372 of 2664 Bottom 11.0% in $100M-$1B

2365

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.83%

#2365 of 2664 Bottom 11.3% in $100M-$1B

2174

Nonperforming Asset Ratio

credit_quality

Value: 1.06%

Peer Median: 0.64%

#2174 of 2664 Bottom 18.4% in $100M-$1B

2110

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.89%

#2110 of 2654 Bottom 20.5% in $100M-$1B