BlastPoint's Banking Scorecard
First State Bank
Socorro, NM
4 branches across NM
First State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.29% below tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.4% in tier
- - ROA 0.37% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.7M
+2.1% YoY
-11.0% QoQ
|
-$200.3M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$10.6M
+9.5% YoY
+3.5% QoQ
|
-$245.1M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 0.5% in tier |
| Total Deposits ? |
$158.8M
+1.4% YoY
-12.9% QoQ
|
-$169.1M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.90%
-10.0% YoY
-11.1% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.22%
-8.4% YoY
-3.6% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
65.00%
+1.3% YoY
+2.1% QoQ
|
-0.29% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.03%
-96.1% YoY
-3.4% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
6.65%
+8.0% YoY
+18.9% QoQ
|
-69.99% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 0.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.20%
+4.4% YoY
+12.8% QoQ
|
+6.18% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.01%
-85.1% YoY
+12.4% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Top 12.8% in tier |
| Tier 1 Capital Ratio ? |
57.67%
-0.1% YoY
+0.8% QoQ
|
+41.84% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
Top 0.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-7.4% YoY
-74.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.