BlastPoint's Banking Scorecard

The First State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 17588

Louise, TX

15 branches across TX

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

The First State Bank has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 34.7% in tier
+ Return on Assets 1.01% above tier average
+ Net Interest Margin 1.20% above tier average
+ Efficiency Ratio 10.87% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 18.68% below tier average
- Delinquency Rate 1.07% above tier average

Get updates when The 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 ?	$884.2M +5.8% YoY +0.6% QoQ	+$498.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 4.5% in tier
Total Loans ?	$634.1M +11.2% YoY +1.5% QoQ	+$378.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 4.7% in tier
Total Deposits ?	$798.3M +4.9% YoY +0.7% QoQ	+$470.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 2.4% in tier
Return on Assets ?	2.28% -9.1% YoY -15.4% QoQ	+1.01%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 7.4% in tier
Net Interest Margin ?	5.13% +0.0% YoY -2.6% QoQ	+1.20%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.6% in tier
Efficiency Ratio ?	54.41% +6.1% YoY +8.4% QoQ	-10.87%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	1.96% +82.4% QoQ	+1.07%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 12.9% in tier
Loan-to-Deposit Ratio ?	79.43% +6.0% YoY +0.8% QoQ	+2.79%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	3.34% -1.5% YoY +46.6% QoQ	-18.68%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 2.3% in tier
Nonperforming Asset Ratio ?	1.41% +83.3% QoQ	+0.78%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 12.9% in tier
Tier 1 Capital Ratio ?	10.63% +1.6% YoY +0.5% QoQ	-5.20%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.18% +1.7% YoY -75.9% QoQ	-0.10%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	82%

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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 (1)

Revenue Diversifier

growth

#232 of 666 • Top 34.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.28%

(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 (7 metrics)

Total Deposits

size

Value: $798.25M

Peer Median: $327.97M

#66 of 2664 Top 2.4% in $100M-$1B

121

Total Assets

size

Value: $884.22M

Peer Median: $386.08M

#121 of 2664 Top 4.5% in $100M-$1B

126

Total Loans

size

Value: $634.07M

Peer Median: $255.72M

#126 of 2664 Top 4.7% in $100M-$1B

149

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.93%

#149 of 2664 Top 5.6% in $100M-$1B

199

Return on Assets

profitability

Value: 2.28%

Peer Median: 1.27%

#199 of 2664 Top 7.4% in $100M-$1B

477

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#477 of 2664 Top 17.9% in $100M-$1B

665

Efficiency Ratio

profitability

Value: 54.41%

Peer Median: 65.29%

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2604

Non-Interest-Bearing Deposit Share

funding

Value: 3.34%

Peer Median: 22.02%

#2604 of 2664 Bottom 2.3% in $100M-$1B

2322

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.64%

#2322 of 2664 Bottom 12.9% in $100M-$1B

2312

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.89%

#2312 of 2654 Bottom 12.9% in $100M-$1B

2182

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 15.83%

#2182 of 2664 Bottom 18.1% in $100M-$1B