BlastPoint's Banking Scorecard

First State Bank

under $100M Specialty: Agricultural TX FDIC cert 16643

Designations: ✓ Community bank

Junction, TX

537 banks in the under $100M peer group nationally 37 in TX

First State Bank shows strong momentum with 4 strengths and 7.6% YoY asset growth

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

+ Net Interest Margin 1.19% above tier average
+ ROA 0.77% above tier average
+ Efficiency Ratio 22.71% below tier average
+ Delinquency Rate 1.14% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$60.8M +7.6% YoY -0.6% QoQ	-$1.5M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	46%
Total Loans ?	$20.2M -2.8% YoY -0.3% QoQ	-$14.1M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	28%
Total Deposits ?	$54.7M +7.4% YoY -0.4% QoQ	+$2.9M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	52%
Return on Assets ?	1.63% -20.4% YoY +11.0% QoQ	+0.77%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	82%
Net Interest Margin ?	5.06% -10.7% YoY -9.4% QoQ	+1.19%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	Top 9.3% in tier
Efficiency Ratio ?	64.92% +2.6% YoY +7.2% QoQ	-22.71%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	65%
Delinquency Rate ?	0.22% -89.8% YoY -82.6% QoQ	-1.14%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	36.91% -9.5% YoY +0.1% QoQ	-27.20%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	Top 14.9% in tier
Non-Interest-Bearing Deposit Share ?	30.64% -1.9% YoY -0.4% QoQ	+6.86%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	75%
Nonperforming Asset Ratio ?	0.07% -90.8% YoY -82.6% QoQ	-0.70%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	63%
Tier 1 Capital Ratio ?	9.93% -2.4% YoY -0.5% QoQ	-16.84%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	Bottom 6.3% in tier
Non-Interest Income / Assets ?	0.12% +6.0% YoY -74.0% QoQ	-0.55%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	77%

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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 (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 537 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.87%

#51 of 537 Top 9.3% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 36.91%

Peer Median: 64.11%

#81 of 537 Top 14.9% in under $100M

Return on Assets

profitability

Value: 1.63%

Peer Median: 0.86%

#99 of 537 Top 18.2% in under $100M

124

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.67%

#124 of 537 Top 22.9% in under $100M

Top Weaknesses (1 metrics)

504

Tier 1 Capital Ratio

capital

Value: 9.93%

Peer Median: 26.77%

#504 of 537 Bottom 6.3% in under $100M