BlastPoint's Banking Scorecard
First State Bank
Paint Rock, TX
2 branches across TX
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.03% above tier average
- + Efficiency Ratio 23.45% below tier average
- + Non-Interest-Bearing Deposit Share 16.87% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.6M
+10.7% YoY
+6.3% QoQ
|
-$201.5M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$57.6M
-0.9% YoY
-2.0% QoQ
|
-$198.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.3% in tier |
| Total Deposits ? |
$158.7M
+10.7% YoY
+7.1% QoQ
|
-$169.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
2.30%
-2.5% YoY
+1.9% QoQ
|
+1.03% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
3.86%
-3.4% YoY
-2.7% QoQ
|
-0.07% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
41.83%
-1.4% YoY
-1.4% QoQ
|
-23.45% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 5.6% in tier |
| Delinquency Rate ? |
1.30%
+44.8% YoY
-26.9% QoQ
|
+0.41% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
36.31%
-10.5% YoY
-8.4% QoQ
|
-40.32% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.88%
-2.7% YoY
-4.4% QoQ
|
+16.87% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+51.8% YoY
-21.0% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.66%
-1.4% YoY
-4.4% QoQ
|
-2.17% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.06%
-11.4% YoY
-77.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
23% |
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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
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