BlastPoint's Banking Scorecard
First State Bank
Stratford, TX
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +5.8% year over year ($326.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.27%.
- Efficiency ratio 42.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31.7% in tier
- + Return on Assets 0.95% above tier average
- + Efficiency Ratio 21.95% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.9M
+6.8% YoY
-3.7% QoQ
|
-$14.7M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$243.9M
+32.0% YoY
+2.0% QoQ
|
-$14.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$326.4M
+5.8% YoY
-4.6% QoQ
|
-$343K |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
2.27%
-3.0% YoY
-4.0% QoQ
|
+0.95% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 7.5% in tier |
| Net Interest Margin ? |
3.91%
+2.5% YoY
+2.6% QoQ
|
-0.07% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
42.53%
-2.4% YoY
-1.6% QoQ
|
-21.95% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 6.2% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
74.71%
+24.8% YoY
+6.9% QoQ
|
-3.24% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
33.89%
+1.3% YoY
+4.1% QoQ
|
+11.86% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 10.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.58%
+2.2% YoY
+3.8% QoQ
|
-3.33% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.27%
-0.1% YoY
+112.3% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
33.9%
+0.4pp YoY +1.3pp QoQ |
+11.7pp | 22.1% | 29.2% | 22.2% | 89% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
10.6%
-2.1pp YoY +0.7pp QoQ |
-0.9pp | 11.6% | 14.8% | 12.5% | 56% |
| CRE |
18.5%
-4.6pp YoY -6.8pp QoQ |
-21.0pp | 39.5% | 48.4% | 41.4% | 16% |
| 1-4 Family |
10.7%
-3.4pp YoY -0.6pp QoQ |
-21.9pp | 32.6% | 25.8% | 31.3% | 12% |
| Consumer |
1.2%
-0.7pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.7% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.6%
+0.3pp YoY +0.5pp QoQ |
+0.4pp | 12.2% | 12.6% | 12.6% | 71% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
+2 (+5.3%) YoY 0 QoQ |
-19 | 58 | 186 | 482 | 41% |
| Assets per Employee ($) |
$9.3M
+1.5% YoY -3.7% QoQ |
+$1.8M | $7.5M | $10.1M | $8.8M | 82% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.8%
-2.2pp YoY -1.1pp QoQ |
+7.6pp | 12.2% | 13.2% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 47% |
| Net Income ($, YTD) |
$4.3M
+6.2% YoY — QoQ |
+$1.7M | $2.6M | $15.9M | $40.4M | 82% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.