BlastPoint's Banking Scorecard

First State Bank

$1B-$10B Specialty: Commercial FL FDIC cert 17509

Designations: ✓ Community bank

Key West, FL

9 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL

First State Bank has 1 strength but faces 5 concerns

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

+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 9.3% in tier
- Efficiency Drag: Bottom 10.8% in tier
- Deposit Outflow: Bottom 46.9% in tier
- ROA 0.83% below tier average
- Net Interest Margin 0.42% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.2B -0.4% YoY +3.9% QoQ	-$1.6B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$808.2M +0.1% YoY -2.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$1.1B -0.6% YoY +4.3% QoQ	-$1.3B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	0.53% -23.5% YoY -10.9% QoQ	-0.83%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 10.1% in tier
Net Interest Margin ?	3.40% +12.4% YoY +3.5% QoQ	-0.42%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	80.98% +8.2% YoY +3.3% QoQ	+19.92%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 7.6% in tier
Delinquency Rate ?	0.15% -50.7% YoY -26.9% QoQ	-0.74%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	76.44% +0.6% YoY -6.0% QoQ	-7.77%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	24.31% -4.5% YoY +4.8% QoQ	+3.02%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.10% -50.4% YoY -31.0% QoQ	-0.57%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 14.6% in tier
Tier 1 Capital Ratio ?	15.49% -8.5% YoY +1.3% QoQ	+0.33%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.09% -47.5% YoY -79.9% QoQ	-0.17%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	28%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk

#15 of 150 • Bottom 9.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.53%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#9 of 74 • Bottom 10.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.98%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

Deposit Outflow

decline

#62 of 130 • Bottom 46.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

130

Nonperforming Asset Ratio

credit_quality

Value: 0.10%

Peer Median: 0.67%

#130 of 884 Top 14.6% in $1B-$10B

145

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.89%

#145 of 880 Top 16.4% in $1B-$10B

202

Tier 1 Capital Ratio

capital

Value: 15.49%

Peer Median: 15.16%

#202 of 884 Top 22.7% in $1B-$10B

Top Weaknesses (5 metrics)

818

Efficiency Ratio

profitability

Value: 80.98%

Peer Median: 61.06%

#818 of 884 Bottom 7.6% in $1B-$10B

796

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.37%

#796 of 884 Bottom 10.1% in $1B-$10B

746

Total Loans

size

Value: $808.15M

Peer Median: $1.96B

#746 of 884 Bottom 15.7% in $1B-$10B

744

Total Assets

size

Value: $1.19B

Peer Median: $2.82B

#744 of 884 Bottom 16.0% in $1B-$10B

708

Total Deposits

size

Value: $1.06B

Peer Median: $2.34B

#708 of 884 Bottom 20.0% in $1B-$10B