BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Junction, TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +9.1% year over year ($51.9M on the books).
- Delinquency rate 0.38%.
- Return on assets 1.62%.
- Efficiency ratio 65.72% vs a 119.40% peer average.
- Loan-to-deposit ratio 40.26% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank shows strong momentum with 4 strengths and 8.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 1.18% above tier average
- + Efficiency Ratio 53.67% below tier average
- + Delinquency Rate 1.10% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.2M
+8.5% YoY
-4.2% QoQ
|
-$4.2M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$20.9M
+1.3% YoY
+3.3% QoQ
|
-$14.0M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$51.9M
+9.1% YoY
-5.3% QoQ
|
+$231K |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.62%
-25.7% YoY
-0.3% QoQ
|
+0.62% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
5.10%
-9.9% YoY
+0.7% QoQ
|
+1.18% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 10.1% in tier |
| Efficiency Ratio ? |
65.72%
+8.1% YoY
+1.2% QoQ
|
-53.67% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.38%
-83.1% YoY
+69.9% QoQ
|
-1.10% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
40.26%
-7.2% YoY
+9.1% QoQ
|
-33.95% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
32.40%
+3.3% YoY
+5.7% QoQ
|
+8.91% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.14%
-84.2% YoY
+83.3% QoQ
|
-0.70% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
10.64%
-5.0% YoY
+7.2% QoQ
|
-16.48% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.1% in tier |
| Non-Interest Income / Assets ? |
0.26%
+10.0% YoY
+120.3% QoQ
|
-1.12% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.4%
+1.0pp YoY +1.8pp QoQ |
+7.8pp | 24.6% | 29.2% | 22.2% | 79% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.3%
-2.2pp YoY -2.9pp QoQ |
-5.1pp | 13.4% | 14.8% | 12.5% | 42% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
25.3%
-6.2pp YoY -0.1pp QoQ |
-9.7pp | 35.0% | 25.8% | 31.3% | 44% |
| Consumer |
6.8%
-0.3pp YoY -0.1pp QoQ |
-0.9pp | 7.7% | 4.7% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.6pp YoY +0.7pp QoQ |
-7.0pp | 17.7% | 12.6% | 12.6% | 25% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-2 | 12 | 186 | 482 | 43% |
| Assets per Employee ($) |
$5.8M
-2.3% YoY -13.8% QoQ |
-$368K | $6.2M | $10.1M | $8.8M | 47% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-1.9pp YoY +0.2pp QoQ |
-1.4pp | 1.7% | 1.0% | 1.0% | 34% |
| Allowance Coverage |
6.13x
+499.7% YoY -43.5% QoQ |
-0.28x | 6.41x | 18.82x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.3%
-0.1pp YoY -0.2pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.4%
-7.3pp YoY -0.5pp QoQ |
+10.0pp | 6.4% | 13.2% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.0%
+0.9pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 29% |
| Net Income ($, YTD) |
$487,000
-20.7% YoY — QoQ |
+$169K | $317,817 | $15.9M | $40.4M | 74% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.