BlastPoint's Banking Scorecard
First State Bank
Clute, TX
3 branches across TX
First State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 12.94% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 73.1% in tier
- - Nonperforming Asset Ratio 0.99% above tier average
- - Delinquency Rate 0.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$466.5M
+18.1% YoY
+1.7% QoQ
|
+$80.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$341.5M
+15.9% YoY
+2.6% QoQ
|
+$85.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$421.3M
+18.8% YoY
+1.9% QoQ
|
+$93.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.67%
-21.4% YoY
-15.9% QoQ
|
+0.41% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.30%
-1.0% YoY
-4.0% QoQ
|
+0.37% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
52.35%
+1.0% YoY
-0.6% QoQ
|
-12.94% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
1.78%
+55.0% YoY
+29.1% QoQ
|
+0.89% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
81.06%
-2.4% YoY
+0.8% QoQ
|
+4.42% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
25.91%
-21.1% YoY
-3.1% QoQ
|
+3.89% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.62%
+89.6% YoY
+16.7% QoQ
|
+0.99% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.0% in tier |
| Tier 1 Capital Ratio ? |
13.01%
-5.3% YoY
+0.1% QoQ
|
-2.82% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.07%
-58.3% YoY
-87.5% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.