BlastPoint's Banking Scorecard
First State Bank of San Diego
Designations: ✓ Community bank
San Diego, TX
First State Bank of San Diego has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.77% below tier average
- - Efficiency Ratio 41.37% above tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.0M
-6.4% YoY
-0.9% QoQ
|
+$10.9M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$16.5M
-14.7% YoY
-3.4% QoQ
|
-$17.7M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$66.6M
-6.9% YoY
-0.5% QoQ
|
+$14.9M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
-0.93%
-210.9% YoY
-206.3% QoQ
|
-1.77% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.6% in tier |
| Net Interest Margin ? |
3.93%
+7.7% YoY
+1.6% QoQ
|
+0.07% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
129.71%
+69.0% YoY
+66.2% QoQ
|
+41.37% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate ? |
1.97%
+9.4% YoY
+8.2% QoQ
|
+0.60% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
24.79%
-8.3% YoY
-3.0% QoQ
|
-39.42% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.30%
-0.3% YoY
-1.7% QoQ
|
+10.58% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 15.0% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-0.3% YoY
+5.5% QoQ
|
-0.34% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
25.47%
+8.5% YoY
+0.1% QoQ
|
-1.21% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.08%
+16.2% YoY
-74.9% QoQ
|
-0.58% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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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.