BlastPoint's Banking Scorecard
First State Bank of San Diego
Designations: ✓ Community bank
San Diego, 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -11.5% year over year ($61.9M on the books).
- Delinquency rate 2.71%.
- Return on assets -0.55%.
- Efficiency ratio 114.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 24.06% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of San Diego has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 4.66% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.55% below tier average
- - Efficiency Ratio 4.66% below tier average
- - Delinquency Rate 1.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.2M
-10.8% YoY
-6.6% QoQ
|
+$5.8M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$14.9M
-23.0% YoY
-9.8% QoQ
|
-$20.0M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$61.9M
-11.5% YoY
-7.0% QoQ
|
+$10.3M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
-0.55%
-156.4% YoY
+41.0% QoQ
|
-1.55% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.6% in tier |
| Net Interest Margin ? |
3.99%
+6.0% YoY
+1.5% QoQ
|
+0.08% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
114.73%
+53.5% YoY
-11.5% QoQ
|
-4.66% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate ? |
2.71%
+37.0% YoY
+37.5% QoQ
|
+1.22% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
24.06%
-13.0% YoY
-2.9% QoQ
|
-50.15% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.41%
+9.1% YoY
+6.2% QoQ
|
+12.92% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.5% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+18.3% YoY
+32.7% QoQ
|
-0.25% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
27.70%
+19.2% YoY
+8.8% QoQ
|
+0.58% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.17%
+12.1% YoY
+102.0% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
36.4%
+3.0pp YoY +2.1pp QoQ |
+11.8pp | 24.6% | 29.2% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
42.3%
+2.7pp YoY +2.6pp QoQ |
+28.9pp | 13.4% | 14.8% | 12.5% | 97% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
8.4%
+2.6pp YoY +1.8pp QoQ |
-26.6pp | 35.0% | 25.8% | 31.3% | 18% |
| Consumer |
9.4%
+0.2pp YoY +0.1pp QoQ |
+1.7pp | 7.7% | 4.7% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.7%
+4.5pp YoY +2.2pp QoQ |
-11.0pp | 38.7% | 22.7% | 19.7% | 68% |
| Leverage Ratio |
9.0%
+0.5pp YoY +0.7pp QoQ |
-8.7pp | 17.7% | 12.6% | 12.6% | 9% |
| Total Capital Ratio |
29.0%
+4.7pp YoY +2.3pp QoQ |
-10.7pp | 39.7% | 23.8% | 20.8% | 68% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+2 (+11.1%) YoY +1 (+5.3%) QoQ |
+8 | 12 | 186 | 482 | 88% |
| Assets per Employee ($) |
$3.4M
-19.7% YoY -11.2% QoQ |
-$2.8M | $6.2M | $10.1M | $8.8M | 11% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.7%
+2.3pp YoY +0.7pp QoQ |
+1.7pp | 1.0% | 0.3% | 0.4% | 93% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
0.70x
-6.9% YoY -19.4% QoQ |
-5.71x | 6.41x | 18.82x | 20.23x | 33% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-6.3%
-18.2pp YoY +4.4pp QoQ |
-12.7pp | 6.4% | 13.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
0.9%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 24% |
| Net Income ($, YTD) |
$-197000.0
-153.2% YoY — QoQ |
-$515K | $317,817 | $15.9M | $40.4M | 7% |
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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.