BlastPoint's Banking Scorecard
First State Bank
Clute, TX
3 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 +15.2% year over year ($429.1M on the books).
- Delinquency rate 1.40%.
- Return on assets 1.98%.
- Efficiency ratio 50.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.48% 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 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 14.16% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$478.1M
+15.4% YoY
+2.5% QoQ
|
+$91.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$349.6M
+14.7% YoY
+2.4% QoQ
|
+$91.3M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$429.1M
+15.2% YoY
+1.8% QoQ
|
+$102.4M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.98%
-0.8% YoY
+18.0% QoQ
|
+0.65% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 13.7% in tier |
| Net Interest Margin ? |
4.39%
+1.1% YoY
+2.1% QoQ
|
+0.40% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
50.32%
-3.6% YoY
-3.9% QoQ
|
-14.16% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
1.40%
-39.8% YoY
-21.0% QoQ
|
+0.49% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
81.48%
-0.4% YoY
+0.5% QoQ
|
+3.53% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
24.23%
-20.1% YoY
-6.5% QoQ
|
+2.20% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.34%
-21.9% YoY
-17.4% QoQ
|
+0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.3% in tier |
| Tier 1 Capital Ratio ? |
13.39%
-0.5% YoY
+2.9% QoQ
|
-2.52% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.20%
-37.4% YoY
+178.2% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
51% |
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 |
24.2%
-6.1pp YoY -1.7pp QoQ |
+2.1pp | 22.1% | 29.2% | 22.2% | 63% |
| Brokered Deposits |
17.6%
+3.8pp YoY +1.7pp QoQ |
+9.8pp | 7.9% | 8.0% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.2%
+0.9pp YoY +0.3pp QoQ |
+7.7pp | 11.6% | 14.8% | 12.5% | 87% |
| CRE |
42.3%
-0.9pp YoY 0.0pp QoQ |
+2.7pp | 39.5% | 48.4% | 41.4% | 57% |
| 1-4 Family |
29.8%
+0.6pp YoY +0.2pp QoQ |
-2.9pp | 32.6% | 25.8% | 31.3% | 51% |
| Consumer |
9.8%
-0.8pp YoY -0.5pp QoQ |
+5.7pp | 4.1% | 4.7% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
-0.1pp YoY +0.4pp QoQ |
-5.4pp | 18.8% | 22.7% | 19.7% | 33% |
| Leverage Ratio |
9.5%
-0.4pp YoY 0.0pp QoQ |
-2.7pp | 12.2% | 12.6% | 12.6% | 21% |
| Total Capital Ratio |
14.6%
-0.1pp YoY +0.4pp QoQ |
-5.3pp | 19.9% | 23.8% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+2 (+3.6%) YoY -3 (-4.9%) QoQ |
-1 | 58 | 186 | 482 | 61% |
| Assets per Employee ($) |
$8.2M
+11.4% YoY +7.8% QoQ |
+$724K | $7.5M | $10.1M | $8.8M | 71% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.7pp YoY -0.2pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 51% |
| Nonaccrual |
1.3%
-0.2pp YoY -0.2pp QoQ |
+0.4pp | 0.9% | 1.0% | 1.0% | 78% |
| Allowance Coverage |
1.03x
+82.6% YoY +27.9% QoQ |
-23.12x | 24.15x | 18.82x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.9%
0.0pp YoY +3.3pp QoQ |
+9.7pp | 12.2% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
2.0%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 70% |
| Net Income ($, YTD) |
$4.6M
+16.8% YoY — QoQ |
+$2.1M | $2.6M | $15.9M | $40.4M | 85% |
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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.