BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 16695

Stratford, TX

3 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

First State Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 34.6% in tier
+ Profitability Leader: Top 49.1% in tier
+ Efficiency Ratio 22.05% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$386.0M +11.7% YoY +4.4% QoQ	-$57K	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$239.0M +16.3% YoY +9.8% QoQ	-$16.7M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$342.0M +11.0% YoY +5.2% QoQ	+$14.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	2.37% +1.5% YoY -0.7% QoQ	+1.10%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 6.1% in tier
Net Interest Margin ?	3.81% +0.9% YoY -0.2% QoQ	-0.12%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	43.24% -0.4% YoY +0.5% QoQ	-22.05%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 6.9% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	69.89% +4.7% YoY +4.4% QoQ	-6.74%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	32.56% -1.9% YoY -3.8% QoQ	+10.54%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 13.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.12% +2.6% YoY -6.6% QoQ	-3.71%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.13% -5.2% YoY -76.1% QoQ	-0.15%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	65%

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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 (2)

Credit Quality Leader

growth

#231 of 664 • Top 34.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#328 of 666 • Top 49.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

164

Return on Assets

profitability

Value: 2.37%

Peer Median: 1.27%

#164 of 2664 Top 6.1% in $100M-$1B

185

Efficiency Ratio

profitability

Value: 43.24%

Peer Median: 65.29%

#185 of 2664 Top 6.9% in $100M-$1B

353

Non-Interest-Bearing Deposit Share

funding

Value: 32.56%

Peer Median: 22.02%

#353 of 2664 Top 13.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available