BlastPoint's Banking Scorecard
First State Bank
Paint Rock, 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 +8.4% year over year ($148.1M on the books).
- Delinquency rate 1.94%.
- Return on assets 2.06%.
- Efficiency ratio 42.85% vs a 64.48% peer average.
- Loan-to-deposit ratio 38.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.63% below tier average
- + Non-Interest-Bearing Deposit Share 14.90% above tier average
- + ROA 0.74% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.09% below tier average
- - Delinquency Rate 1.02% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.3M
+8.4% YoY
-5.6% QoQ
|
-$212.3M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$57.4M
+1.8% YoY
-0.3% QoQ
|
-$200.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.2% in tier |
| Total Deposits ? |
$148.1M
+8.4% YoY
-6.7% QoQ
|
-$178.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
2.06%
-10.5% YoY
-10.3% QoQ
|
+0.74% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 11.8% in tier |
| Net Interest Margin ? |
3.90%
-3.3% YoY
+1.0% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
42.85%
-2.9% YoY
+2.4% QoQ
|
-21.63% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 6.5% in tier |
| Delinquency Rate ? |
1.94%
-8.2% YoY
+49.4% QoQ
|
+1.02% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.5% in tier |
| Loan-to-Deposit Ratio ? |
38.79%
-6.0% YoY
+6.8% QoQ
|
-39.16% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.93%
-3.6% YoY
-5.0% QoQ
|
+14.90% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 7.3% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-3.9% YoY
+50.1% QoQ
|
+0.04% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
14.14%
-1.1% YoY
+3.5% QoQ
|
-1.77% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.13%
-0.5% YoY
+126.2% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
36.9%
-1.4pp YoY -2.0pp QoQ |
+14.8pp | 22.1% | 29.2% | 22.2% | 93% |
| 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 |
15.4%
-0.1pp YoY -0.4pp QoQ |
+3.9pp | 11.6% | 14.8% | 12.5% | 78% |
| CRE |
13.1%
+0.2pp YoY -0.5pp QoQ |
-26.4pp | 39.5% | 48.4% | 41.4% | 8% |
| 1-4 Family |
11.2%
-0.1pp YoY -1.3pp QoQ |
-21.4pp | 32.6% | 25.8% | 31.3% | 13% |
| Consumer |
9.9%
+1.1pp YoY +1.0pp QoQ |
+5.8pp | 4.1% | 4.7% | 5.0% | 92% |
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 |
14.1%
-0.2pp YoY +0.5pp QoQ |
+2.0pp | 12.2% | 12.6% | 12.6% | 82% |
| 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 |
13
0 YoY -1 (-7.1%) QoQ |
-46 | 58 | 186 | 482 | 2% |
| Assets per Employee ($) |
$13.4M
+8.4% YoY +1.7% QoQ |
+$5.9M | $7.5M | $10.1M | $8.8M | 95% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
-1.1pp YoY +0.5pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.4% | 82% |
| Nonaccrual |
1.5%
+0.9pp YoY +0.2pp QoQ |
+0.5pp | 0.9% | 1.0% | 1.0% | 81% |
| Allowance Coverage |
1.03x
+10.7% YoY -34.3% QoQ |
-23.13x | 24.15x | 18.82x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
1.0%
+1.0pp YoY +0.5pp QoQ |
+0.9pp | 0.1% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
-2.0pp YoY -2.0pp QoQ |
+3.0pp | 12.2% | 13.2% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 14% |
| Net Income ($, YTD) |
$1.8M
-1.9% YoY — QoQ |
-$725K | $2.6M | $15.9M | $40.4M | 49% |
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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.