BlastPoint's Banking Scorecard
First State Bank of Bedias
Bedias, TX
2 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 +7.5% year over year ($184.7M on the books).
- Delinquency rate 2.04%.
- Return on assets 2.58%.
- Efficiency ratio 47.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Bedias has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31.0% in tier
- + Net Interest Margin 0.73% above tier average
- + Efficiency Ratio 17.37% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$224.8M
+7.6% YoY
+1.4% QoQ
|
-$161.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$122.9M
-1.1% YoY
+1.3% QoQ
|
-$135.4M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$184.7M
+7.5% YoY
+1.8% QoQ
|
-$142.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
2.58%
+5.6% YoY
+2.4% QoQ
|
+1.26% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 3.8% in tier |
| Net Interest Margin ? |
4.72%
+2.4% YoY
-0.4% QoQ
|
+0.73% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 13.7% in tier |
| Efficiency Ratio ? |
47.11%
-4.2% YoY
-3.0% QoQ
|
-17.37% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 11.8% in tier |
| Delinquency Rate ? |
2.04%
+150.6% YoY
+504.7% QoQ
|
+1.12% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.5% in tier |
| Loan-to-Deposit Ratio ? |
66.57%
-8.0% YoY
-0.4% QoQ
|
-11.38% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
29.82%
-5.8% YoY
-5.1% QoQ
|
+7.79% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
1.12%
+130.1% YoY
+504.1% QoQ
|
+0.45% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
17.94%
-1.4% YoY
-2.4% QoQ
|
+2.03% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.23%
-8.5% YoY
+96.8% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
29.8%
-1.8pp YoY -1.6pp QoQ |
+7.7pp | 22.1% | 29.2% | 22.2% | 81% |
| 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 |
21.5%
+1.6pp YoY +0.1pp QoQ |
+10.0pp | 11.6% | 14.8% | 12.5% | 90% |
| CRE |
27.4%
+1.3pp YoY -0.6pp QoQ |
-12.2pp | 39.5% | 48.4% | 41.4% | 30% |
| 1-4 Family |
17.5%
-2.1pp YoY -0.2pp QoQ |
-15.2pp | 32.6% | 25.8% | 31.3% | 24% |
| Consumer |
8.0%
-0.2pp YoY -0.1pp QoQ |
+3.9pp | 4.1% | 4.7% | 5.0% | 88% |
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 |
17.9%
-0.3pp YoY -0.4pp QoQ |
+5.8pp | 12.2% | 12.6% | 12.6% | 94% |
| 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 |
23
0 YoY 0 QoQ |
-36 | 58 | 186 | 482 | 15% |
| Assets per Employee ($) |
$9.8M
+7.6% YoY +1.4% QoQ |
+$2.3M | $7.5M | $10.1M | $8.8M | 84% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.0%
+1.2pp YoY +1.7pp QoQ |
+1.1pp | 0.9% | 1.0% | 1.0% | 88% |
| Allowance Coverage |
0.69x
-60.9% YoY -84.1% QoQ |
-23.47x | 24.15x | 18.82x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.1pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+0.4pp YoY +0.5pp QoQ |
+2.4pp | 12.2% | 13.2% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 34% |
| Net Income ($, YTD) |
$2.8M
+12.6% YoY — QoQ |
+$285K | $2.6M | $15.9M | $40.4M | 68% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.